Competition,Privatization and the Lending Behavior of the Chinese Commercial Banks
利用2002-2007年中国省级面板数据，研究发现商业银行贷款增长与盈利性负相关，竞争显著影响贷款行为，但私有化影响有限，对银行改革有启示。
Using panel data at provincial level for the Chinese commercial banks from the periods of 2002 - 2007 and based on fixed effects model and SYS - GMM model,this paper studies the impact of competition and privatization on lending behavior of the commercial banks.The results show that;Firstly,lending growth of commercial banks is negatively associated with profitability,suggesting that the lending behavior of the commercial banks has not been commercially oriented.Secondly,competition does play a significant role in affecting lending behavior.Finally,the impact of privatization on the lending behavior of the Chinese commercial banks is limited.The conclusions of the paper have profound implication for both practitioners and policy makers during the bank reform in China.