市场竞争、产权改革与商业银行贷款行为转变问题探究

Research on Market Competition, Property Right Reform and Commercial Bank's Loan Behavior Transformation

通过回顾以往银行业的发展,不难发现中国的商业银行经历了一个从传统专业体制向市场化体制转型的过程。本文主要运用了从2002年到2007年五年的中国省际面板数据,根据这些数据资料从贷款的角度来对市场竞争、产权改革与商业银行贷款行为转变问题进行探讨。

By reviewing the development of the banking industry in the past, it is not difficult to find that China＇s commercial banks have undergone a process of transition from the traditional professional system to the market-oriented system. This paper mainly uses the data of China＇s inter-provincial panel from 2002 to 2007, and discusses the market competition, property right reform and the change of commercial bank loan behavior from the point of view of loan.