• Media type: E-Article
  • Title: China's state-owned banks' lending practices, 1994-2005: Empirical tests and policy implications
  • Contributor: Burdekin, Richard C. K. [Author]; Tao, Ran [Author]
  • Published: Sharjah: Bentham Open, 2008
  • Language: English
  • DOI: https://doi.org/10.2174/1874919400801010014
  • ISSN: 1874-9194
  • Keywords: Chinese banks ; privatization ; provincial income ; lending ; state-owned enterprises ; World Trade Organization
  • Origination:
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  • Description: More than half of the assets in China's banking system are accounted for by four huge state-owned commercial banks. This paper examines the changing factors influencing these banks' lending behavior over the post-1994 period on a province-by-province basis. Determinants include the concentration of state-owned enterprises, the level of provincial prosperity, deposit levels, and macroeconomic control variables. We confirm a downward trend in the banks' loan-todeposit ratio combined with some (mixed) evidence of more lending to richer provinces over time. SOE lending remained important for at least one of the four banks.
  • Access State: Open Access