The Risks of Commercial Banks on Interest Rate Marketization

Zhang, Yue

doi:10.11648/j.ijefm.20160402.17

Cited by 4 publications

(10 citation statements)

References 5 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In contrast, non-listed city commercial banks are usually smaller and subject to less regulation than listed ones (B. Zhang, 2020). Under the impact of Internet finance, non-listed city commercial banks are less able to adjust and adapt (W. Wen & Wang, 2021).…”

Section: Internet Finance Heterogeneity and Risk Assumption By Urban ...mentioning

confidence: 99%

“…Unlisted banks have the characteristics of small asset scale, concentrated outlets (B. Zhang, 2020). Under the impact of Internet finance, the adjustment and adaptability of unlisted banks are weak (W. Wen & Wang, 2021).…”

Section: Regression Analysismentioning

confidence: 99%

“…Credit decisions under the regulation will be more prudent. In contrast, non-listed city commercial banks are usually smaller and subject to less regulation than listed ones (B. Zhang, 2020).…”

Section: Hypothesesmentioning

confidence: 99%

“…The more perfect disclosure system also strengthens investors’ supervision of the steady operation of city commercial banks, when city commercial banks change their credit decisions due to the competitive pressure of Internet finance, out of the supervision of investors, the credit decisions made will be more prudent. Unlisted banks have the characteristics of small asset scale, concentrated outlets (B. Zhang, 2020).…”

Section: Empirical Analysismentioning

confidence: 99%

See 3 more Smart Citations

Internet Finance and Risk-Taking of City Commercial Banks: Evidence From China

Pang,

Liu,

et al. 2023

Sage Open

View full text Add to dashboard Cite

China’s urban commercial banks are more likely to face risks with the rapid development of Internet finance. However, few studies unfold the impact of Internet finance on the risk-taking level of urban commercial banks and explore their role path in depth. To study the relationship between the two and their path of action, this paper takes 62 city commercial banks in China from 2011 to 2020 as research objects and makes empirical tests by Stata. The intermediary effect model is used to study its impact path from the perspectives of assets, liabilities, and intermediate services. The conclusions are as follows: (1) Internet finance aggravates the risk-taking of urban commercial banks; (2) This effect shows heterogeneity in listed and non-listed, trans-region and non-trans-region urban commercial banks; (3) Net interest margin, debt structure, and non-interest income show the mediating effect when Internet finance affects the risk-taking of urban commercial banks. The results are beneficial for urban commercial banks to change their business strategies with their characteristics and achieve sustainable and healthy development.

show abstract

Section: Internet Finance Heterogeneity and Risk Assumption By Urban ...mentioning

confidence: 99%

Section: Regression Analysismentioning

confidence: 99%

Section: Hypothesesmentioning

confidence: 99%

Section: Empirical Analysismentioning

confidence: 99%

See 2 more Smart Citations

Internet Finance and Risk-Taking of City Commercial Banks: Evidence From China

Pang,

Liu,

et al. 2023

Sage Open

View full text Add to dashboard Cite

show abstract

“…The researchers ranked the level of interest rate marketization according to different degrees of interest rate levels in China and constructed a set of measures of the degree of interest rate marketization through the time ranking and analysis of the interest rate marketization index. Wang Fan and Tao Yuanting [6] used non-interest income ratio, loan ratio, and excessive loan growth rate to measure, Jiang Hai et al [7] used deposit and lending rates, money market rates, bond market rates, and wealth management product yields, Zhang Yuan and Xue Qingmei [8] selected indicators from three dimensions: actual interest rates, the way interest rates are determined, and the floating range. The second approach is to measure the interest rate market through single-variable research analysis, which has both advantages and disadvantages.…”

Section: Introductionmentioning

confidence: 99%

The impact of interest rate liberalization on the liquidity risk of commercial banks

Li¹

2023

BCPBM

View full text Add to dashboard Cite

This paper selects quarterly data of 10 commercial banks in China (including 5 large state-owned commercial banks and 5 joint-stock commercial banks) for the 10 years from 2011 to 2020 for the study, and constructs a mixed cross-sectional regression model through multiple covariance test and heteroskedasticity test to empirically analyze the relationship between interest rate marketization and liquidity risk of commercial banks in China, and draws the following conclusions: First,interest rate First, the market-oriented reform will greatly increase the liquidity risk level of commercial banks. Second, the interest rate market reform gives heterogeneity to the liquidity risk of large state-owned commercial banks and joint-stock banks. Third, the effect of bank size on commercial banks' liquidity risk is not significant. Fourth, monetary and quasi-monetary growth rates move in the same direction as commercial banks' liquidity risk.

show abstract

Interest rate liberalization and debt risk in China

Song¹,

Gao²

2023

Tomsk State University Journal of Economics

View full text Add to dashboard Cite

Interest rate liberalization, which will have a multi-impact on the economy in the process of marketization, especially on the macro-debt market, is a requirement to develop the market economy. It is a current important economic topic that the risk control of the macro-debt market is related to the healthy degree of the economic de-velopment after the debt financing leverage turns to assets investment, and the study around these contents should be a cause for concern. As an important component of deepening financial reforms, the effect of interest rate liberalization on owners’ opera-tions and management behavior of a micro-enterprise is prominent; on the other hand, the continuous climbing debt risk of local government will affect the financial deci-sions and implementation effect of enterprises by spillover effect. We made an empir-ical research on the extent of interest rate liberalization in China integrating relevant modes with the statistical data of PBC and our nation. Research on the reform in the Chinese financial market showed that prompting the reform of interest rate liberaliza-tion can obviously increase enterprises’ financing capabilities which will be restrained by the aggravation of the local government’s debt risk, and the significant enhance-ment of it enhances the impetus to enterprises’ financing capabilities from interest rate liberalization.

show abstract

The Risks of Commercial Banks on Interest Rate Marketization

Cited by 4 publications

References 5 publications

Internet Finance and Risk-Taking of City Commercial Banks: Evidence From China

Internet Finance and Risk-Taking of City Commercial Banks: Evidence From China

The impact of interest rate liberalization on the liquidity risk of commercial banks

Interest rate liberalization and debt risk in China

Contact Info

Product

Resources

About