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Research on the Regional Credit Rationing of Commercial Bank in China

Author: ZhaoWei
Tutor: BaiQinXian
School: Liaoning University
Course: Finance
Keywords: Commercial bank of China Credit rationing Regional economy
CLC: F832.4
Type: PhD thesis
Year: 2013
Downloads: 273
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Abstract


Credit rationing is a normal process of commercial bank credit. The performance ofcredit rationing is the credit capital requirements of the borrower can’t be satisfied.Classical Economics treat the credit rationing as a temporary phenomenon which is underthe influence of the external shocks or the control of regulatory authorities, while NewKeynesian Economics point out that the credit demand is still not clearing, even thoughthe credit market is in balance. Nowadays, the economists almost reach an agreement:The credit rationing is a phenomenon of long-term balance.At present, the world is still in the stage of sustainable development in theeconomic-financial, the economic globalization, as well as the financial-globalization.The financial system of China is still in the way of the indirect financing given by thebanking sector credit. As the constantly development and improvement of Chinesefinancial system, the proportion of direct financing which is based on the bound andstock in capital market has been gradually increasing, and thereof the direct financingreversal occurs. In2009, China launched a4trillion government investment plan, inresponse to American Subprime Mortgage Financial Crisis, that the direct intervention toincrease the number of credit, and finally led to the “astronomical lending”. The majorinvestment in people’s livelihood, infrastructure, and environmental protection areasfurther exacerbated our credit resources to the government-led projects and state-ownedenterprises. In the meanwhile, the small and medium-sized enterprises, as well as thetownship enterprises, faced the problem of financing difficulties and were in a state ofuntypical non-equilibrium credit rationing status under government intervention, and thesituation has gradually deepened trend.Based on the above, coupled with the national strategic planning of east-mid-westand northeast region, the officially enforcement of the interest rate market, the phasedimplementation of the Basel III, the rapidly expand of the shadow banking, the amount ofsocial financing seen as Monetary Policy targett, I believe that, it is necessary to sort outthe development direction of Chinese financial system reform in order to put forwardreasonable suggestions and advices for the sustainable management of commercial bank.Therefore, as for the credit market in China, this paper will research on the commercial bank credit rationing at different levels of regional economic development, analysisimpact of factors that makes commercial bank credit rationing different, and offerreasonable suggestions for the implementation of credit rationing, which could be as aguidance of China’s commercial banks rational allocation of credit resources in thedifferent areas, with local economic development, in order to improve the overallcompetitiveness of China’s commercial banks.There are six chapters in this paper. The First chapter will focus on the economicbackground of the credit rationing phenomenon, and give the definition of the coreconcepts of credit rationing. In this chapter, we will have an overview of the whole paper,and raise the questions about the credit rationing in our practical work to develop thetechnology roadmap of the entire article. It will point out a theory innovation andinadequacies expected in this article as well. The Second chapter will describe thereferences about the theory of regional economic development and the financialdevelopment, the theory of credit rationing, the relationship between credit rationing andeconomic development, and credit rationing and economic development literature. And itwill analyze the credit rationing mechanism in view of both posive and negive functions.Chapter3will focuse on a comprehensive analysis of the status of Commercial Bank ofChina regional credit rationing. It analysis the differences of economic development,industrial structure, urban and rural development in different periods of the Four Regions.Taking the16listed commercial banks as objects, this paper will statistic and analyze thecurrent situation from the aspect of Four Regions, firm size, industry production, thedifference between urban and rural. Chapter4will conclude four facts which influencemechanism of Chinese commercial bank in the regional credit rationing, which are thenational macroeconomic policy level, regional market structure, banks own managementoperation and other non-bank financial institutions. Chapter5will start with theparticularity of commercial banks, and study the put in of the credit, and point out theinfluence of the scale of social financing on the regional economic development,including the shadow banking. in the process of interest rate reform, combined with theChinese commercial bank ‘s implementation of the Basel II, it will set up a theoreticalmodel, to study the credit rationing mechanism in the case of control and release of theinterest rate market, as well as the rate rationing mechanism under Basel II implementation. The last Chapter will be guided by the philosophy of financialsustainable development commercial. Giving the strategic development advice for theregional credit rationing policy of commercial banks, it will also improve the frame ofthe policy recommendations.Innovation of this paper are: Firstly,based on analysis of the status of ChineseListed Commercial Banks, Commercial bank of China regional credit rationinginfluencing factors resolve; Secondly, it build mathematical models to demonstrate thedegree of credit rationing direction of change in the interest rate market, Basel IIIimplementation, especially in the case of the implementation of the intervention of thegovernment credit rationing, commercial banks should be how to coordinate therelationship with the local government; Thirdly, it uses the internal data of commercialbanks, empirical analysis of the degree of credit rationing and development trend of thefour regions of the two commercial banks.Although this paper strive to do more comprehensive and in-depth study. Due to thelimited data and research time, there are some shortcomings in this paper: Firstly, there isthe lack of customer analysis based in an advanced foreign interbank interest rate marketenvironment, and the lack of reference samples Secondly, there is inadequate analyse ofthe Basel’s far-reaching implications for the whole process operators of commercialbanks. Thirdly, the selection of the empirical analysis samples is insufficient.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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