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A Empirical Research of Bank Competition and Stability in China

Author: FengYanZuo
Tutor: FanMin
School: South China University of Technology
Course: Finance
Keywords: Banking Industry Competitive Vulnerability Stability
CLC: F832.33
Type: Master's thesis
Year: 2013
Downloads: 24
Quote: 0
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Abstract


After the subprime lending crisis of U.S.A in2008, the global economic lasted downturn.To increase security and improving domestic is the world’s major economies consensus.Commercial Bank of China had come through the high lending for the country to through theinternational financial crisis. A series of changes is coming from the external conditions andsupervision departments: the transformation economic development way, industrial structureupgrading, financial disintermediation, the development of interest rate market-basedaccelerating, strengthen capital constraints, and the increasing consumer demand for financialservice. In such a complex environment, the commercial bank of China shoulder supportnational economy continued development, the success of the transformation and upgrading ofdomestic industries and expanding domestic demand. More over, the commercial banks bearthe important task of accelerating the industry’s own review, reform and development.Since the subprime lending crisis, the China commercial banks increased a huge lending,while the non-credit assets appear very high speed development, growing faster than thecredit business. At the end of2012, the final balance of financial products had reached24.71billions. How the huge credit scale and non-credit assets affect the stability of China’sbanking industry, if it has reached the competitive vulnerability area, how to find out the rootof the crisis, how to prevent and resolve the crisis needs in-depth, systematic andcomprehensive study.In this paper, the CR index and HHI index analysis shows that market of Chinacommercial banks have the transition from monopoly to competition. The monopoly powerin the four major state-owned banks dropped, but still having certain market forces. The BSSIindex shows that the China commercial bank industry has the best stability in the year of2009after the crisis. However, the stability had a marked decline in the year of2010and2011.In2012, it shows an improving trend.This paper explored the relationship between the stability of the banking sector andcompetitive. From the perspective of competition study the stability problems of ChineseCommercial Banks. At first, sorts the related articles, and then choose16typical Chinacommercial banks’ financial data during1998to2012to analysis the market structure and thedegree of competition. And use the random effect model find out the U relationship ofcompetition and stability. And through the credit market share analysis, estimate that the Chinacommercial bank industry has been at the competitive vulnerability area. In this paper put forward a system stability strategy:To strengthen banking supervision,guarding against systemic risk, excessive competition restriction, adjust the financialstructure, improving the financial system.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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