China’s state-owned banks’ lending practices, 1994-2005 : empirical tests and policy implications
Richard C. K. Burdekin and Ran Tao
More than half of the assets in China's banking system are accounted for by four huge state-owned commercial banks. This paper examines the changing factors influencing these banks’ lending behavior over the post-1994 period on a province-by-province basis. Determinants include the concentration of state-owned enterprises, the level of provincial prosperity, deposit levels, and macroeconomic control variables. We confirm a downward trend in the banks' loan-todeposit ratio combined with some (mixed) evidence of more lending to richer provinces over time. SOE lending remained important for at least one of the four banks. -- Chinese banks ; lending ; state-owned enterprises ; provincial income ; privatization ; World Trade Organization.
Year of publication: |
2008
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Authors: | Burdekin, Richard C. K. ; Tao, Ran |
Published in: |
The open economics journal. - Sharjah [u.a.] : Bentham Open, ISSN 1874-9194, ZDB-ID 24889015. - Vol. 1.2008, p. 14-24
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Saved in:
freely available
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