公众信任与银行分支监管对个人贷款发放与违约风险的影响——来自中国区域商业银行的证据

IF 2.6 4区经济学 Q2 BUSINESS, FINANCE

International Review of Finance Pub Date : 2025-02-03 DOI:10.1111/irfi.70003

Mohan Fonseka, Grant Richardson

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引用次数: 0

摘要

本文研究了在银行分支机构监管制度变化过程中，公众信任对中国区域商业银行个人贷款发放和违约风险的影响。在准自然实验中，利用银行分支机构监管制度的外生冲击，我们发现公众信任对地区银行的个人贷款补助表现出更明显的增加。此外，我们报告了公众信任与违约风险之间的负相关关系。最后，我们观察到，城市商业银行在放松管制期间在公众信任度高的省份开设分行，导致个人贷款发放增加（减少）和违约风险增加（减少）。

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Public trust and bank branching regulation on personal loan grants and default risk: Evidence from regional commercial banks in China

We examine the effect of public trust on personal loan grants and the default risk of Chinese regional commercial banks during the bank branch regulation regime changes. Using exogenous shocks of bank branch regulation regimes in quasi-natural experiments, we find that public trust exhibits a more pronounced increase in personal loan grants for regional banks. Additionally, we report a negative relationship between public trust and default risk. Finally, we observe that city commercial banks that open branches in high public trust provinces during the deregulation period lead to an increase (decrease) in personal loan grants and (default risk).

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来源期刊

International Review of Finance BUSINESS, FINANCE-

CiteScore

3.30

自引率

5.90%

发文量

期刊介绍： The International Review of Finance (IRF) publishes high-quality research on all aspects of financial economics, including traditional areas such as asset pricing, corporate finance, market microstructure, financial intermediation and regulation, financial econometrics, financial engineering and risk management, as well as new areas such as markets and institutions of emerging market economies, especially those in the Asia-Pacific region. In addition, the Letters Section in IRF is a premium outlet of letter-length research in all fields of finance. The length of the articles in the Letters Section is limited to a maximum of eight journal pages.