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Capital Constraints and the Credit Structure of Commercial Banks: Evidence from China

  • Junxun Dai

    ()

    (Department of Finance, Wuhan University, China)

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    This study focuses on the impact of capital constraints on the credit structure of commercial banks. Through theoretical modeling and optimization process, this study draws the conclusions that large-sized banks would grant more loans to large-sized enterprises and fewer loans to small-sized enterprises under capital constraints, but small-sized banks would grant more loans to large-sized enterprises just under the liberalization of interest rates and capital constraints. This study also makes empirical tests using the 2002-2012 yearly panel data from commercial banks in China and panel estimations with SYS-GMM to examine the changes in the credit structures of commercial banks under capital constraints. The evidence from China indicate that the estimated impact of capital constraints on the change i

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    File URL: http://www.ipe.ro/rjef/rjef4_13/rjef4_2013p109-123.pdf
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    Article provided by Institute for Economic Forecasting in its journal Romanian Journal for Economic Forecasting.

    Volume (Year): (2013)
    Issue (Month): 4 (December)
    Pages: 109-123

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    Handle: RePEc:rjr:romjef:v::y:2013:i:4:p:109-123
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    1. Mark Carlson & Hui Shan & Missaka Warusawitharana, 2011. "Capital ratios and bank lending: a matched bank approach," Finance and Economics Discussion Series 2011-34, Board of Governors of the Federal Reserve System (U.S.).
    2. Gabriel Jiménez & Steven Ongena & José-Luis Peydró & Jesús Saurina, 2010. "Credit supply: identifying balance-sheet channels with loan applications and granted loans," Banco de Espa�a Working Papers 1030, Banco de Espa�a.
    3. Ben S. Bernanke & Cara S. Lown, 1991. "The Credit Crunch," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 22(2), pages 205-248.
    4. Hancock, Diana & Laing, Andrew J. & Wilcox, James A., 1995. "Bank capital shocks: Dynamic effects on securities, loans, and capital," Journal of Banking & Finance, Elsevier, vol. 19(3-4), pages 661-677, June.
    5. Keeley, Michael C. & Furlong, Frederick T., 1990. "A reexamination of mean-variance analysis of bank capital regulation," Journal of Banking & Finance, Elsevier, vol. 14(1), pages 69-84, March.
    6. Li Ma & Junxun Dai & Xian Huang, 2011. "Effect of capital constraints on risk preference behavior of commercial banks," China Finance Review International, Emerald Group Publishing, vol. 1(2), pages 168-186, April.
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