金融发展、信贷行为与信贷效率--基于我国城市商业银行的实证研究  

Financial Development,Lending Behavior and Lending Efficiency:Empirical Evidence Based on Chinese City Commercial Banks

作　　者：王秀丽[1] 鲍明明[2] 张龙天[1] 

机构地区：[1]对外经济贸易大学国际商学院,北京100029 [2]中国银行总行授信管理部,北京100818

出　　处：《金融研究》2014年第7期94-108,共15页Journal of Financial Research

基　　金：教育部人文社科规划项目“我国央企产融结合风险的微观治理研究”(项目批准号:11YJA630134)

摘　　要：本文利用我国城市商业银行2005至2010年年报数据,对地区金融发展、信贷行为和信贷效率之间的关系进行了实证研究。本文发现:金融发展程度能够显著影响银行的信贷行为,即地区金融发展程度越高,城市商业银行的贷款集中度和贷款流向国有经济的比例就会越低;而信贷行为又会显著影响银行的信贷效率,贷款集中度越高,银行的不良贷款率就越高。本文还发现,地区金融发展程度高会削弱上述信贷行为对信贷效率的不利影响。本文的研究结论表明,现阶段加快金融发展、加强金融生态环境建设对提高城市商业银行信贷效率以及维护地区金融的安全和稳定具有重要的现实意义。Using the data of several city commercial banks from 2005 to 2010, this paper investigates the rela-tionship of financial development, lending behavior and efficiency. We find that financial development has in-fluence on lending behavior of commercial banks. Higher degree of financial development can result in lowerloan concentration and smaller proportion of the loan flowing into the state - owned economy. Meanwhile, lend-ing behavior can affect lending efficiency. High loan concentration can increase the nonperformance loan rate.We further find that, high financial development can weaken the negative effect. The conclusion indicates thatit＇s important to strengthen the construction of financial environment to increase lending efficiency and maintainregional financial stability.

关 键 词：城市商业银行 金融发展 信贷行为 信贷效率 

分 类 号：F832.33[经济管理—金融学] F832.4