The Impact of Asset Quality and Capital Supervision on Credit Expansion of Commercial Banks in China

摘要：

　　As a form of indirect financing methods,commercial bank credit,which is beneficial to Chinas economic and social development,has already been an important component of Chinas social financing.Based on data of 12 commercial banks of China from 1995 through 2011,panel regressions are conducted with the result showing that supervision of asset quality and capital adequacy ratio has significant constraint on the scale and decision of credit expansion.It seems that hard supervision at banking sector is helpful for sound operation of commercial banks to guard against and defuse financial risks.

关键词： Asset Quality Capital Supervision Credit Expansion BASEL Ⅲ

作者: ZOU Zongsen

作者单位: Graduate School of Chinese Academy of Social Sciences,Beijing,China,102488

会议类型: 国际会议

会议名称: the 5th (2013)International Conference on Financial Risk and Corporate Finance Management(第五届(2013)金融风险与公司金融国际研讨会)

会议地点: 大连

会议语种:英文

页码: 705-710

在线出版日期: 2013-06-29（万方平台首次上网日期，不代表论文的发表时间）