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    Legislative impact on lending: Credit risk management in China

    Li, Zhaohua
    Abstract
    The Chinese government established the Act on Commercial Banks 1995 to enforce and regulate commercial banking activities. The government envisaged that the Act, together with other bank reforms, would improve credit risk management practice among commercial banks, hence, prompting the banks to reduce and ultimately stop local government directed policy lending to state-owned enterprises (SOEs). This paper examines the lending behavior of a government-controlled commercial bank before and after the passage of the Act. We find that the bank tightened control of the credit risk of borrowers after the passage of the Act. We also find that SOEs are charged a rate of interest higher than that charged to private firms.... [Show full abstract]
    Keywords
    credit risk; SOEs; private borrower; China; Finance
    Fields of Research
    1502 Banking, Finance and Investment
    Date
    2011-12
    Type
    Journal Article
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    • Department of Financial and Business Systems [509]
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    legislative_impact_lending_pre-print.pdf
    DOI
    https://doi.org/10.1142/S0219091511002342
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    © 2011 copyright World Scientific Publishing Company
    Citation
    Li, Z. (2011). Legislative impact on lending: credit risk management in China. Review of Pacific Basin Financial Markets and Policies, (accepted for publication). DOI: 10.1142/S0219091511002342
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