The Determinants of Net Interest Margins of Commercial Banks in Mainland China
AbstractThis paper studies empirically the determinants of Chinese commercial banks' net interest margins from 1996 to 2003. It applies an extension to the Ho and Saunders (1981) model to identify the elements affecting net interest margins. The results indicate that the determinants of net interest margins in the Chinese market include market competition structure, average operating costs, degree of risk aversion, transaction size, implicit interest payments, opportunity cost of reserve, and management efficiency.
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Bibliographic InfoArticle provided by M.E. Sharpe, Inc. in its journal Emerging Markets Finance and Trade.
Volume (Year): 44 (2008)
Issue (Month): 5 (September)
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Web page: http://mesharpe.metapress.com/link.asp?target=journal&id=111024
commercial banks; determinants; net interest margin;
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- Germán López-Espinosa & Antonio Moreno & Fernando Pérez de Gracia, 2011.
"Banks’ Net Interest Margin in the 2000s: A Macro-Accounting International Perspective,"
Faculty Working Papers
11/11, School of Economics and Business Administration, University of Navarra.
- López-Espinosa, Germán & Moreno, Antonio & Pérez de Gracia, Fernando, 2011. "Banks' Net Interest Margin in the 2000s: A Macro-Accounting international perspective," Journal of International Money and Finance, Elsevier, vol. 30(6), pages 1214-1233, October.
- Tatum Blaise Pua Tan, 2012. "Determinants of Credit Growth and Interest Margins in the Philippines and Asia," IMF Working Papers 12/123, International Monetary Fund.
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