Capital Supervision and Commercial Bank’s Credit Behavior Choice

摘要：

This paper creates a preference index of credit behavior to describe the behavior preference and the risk preference of banks, introduces the implementation and loosening of capital requirements into calculation model, conducts an empirical test by making use of 522 data sample points of 29 banks in the China from 2002 to 2006. It gets the conclusions that the more rigorous capital requirements will result in the greater credit structure adjustment, the steadier business and the lower risks, and the looser capital requirements will result in the more active capital structure of commercial banks and the higher business risks.

关键词： capital supervision bank credit behavior

作者: MA Li HE Jing

作者单位: Department of Finance Economics and Management School, Wuhan University Wuhan, P.R.China Department of Economics Economics and Management School, Wuhan University Wuhan, P.R.China

会议类型: 国际会议

会议名称: Fifth International Conference on Semantics,Knowledge and Grid(第五届语义、知识与网格国际会议 SKG 2009)

会议地点: 珠海

会议语种:英文

页码: 424-425

在线出版日期: 2009-10-12（万方平台首次上网日期，不代表论文的发表时间）