城市商业银行跨区域经营与贷款质量

Geographic Diversification of City Commercial Banks and Loan Quality

本文以我国2008~2015年城市商业银行为样本,实证检验了城商行跨区域经营对贷款质量的影响。研究发现,城商行跨区域经营提高了贷款质量,表现为显著更低的不良贷款率。进一步的研究结果表明,城商行的规模越大,所跨区域的市场化程度越高,跨区域经营对贷款质量的提升作用越明显。本文的研究丰富了城市商业银行跨区域经营经济后果方面的文献,同时也为城商行的跨区域经营战略提供了一定的经验证据。

Using the sample of city commercial banks in China from 2008 to 2015, we examine the effect of geographic diversification on city commercial banks＇ loan quality. The empirical results imply that, the high level of geographic diversification leads to an improved city commercial banks＇ loan quality which is measured as lower rate of non-performing loans. Further analysis indicates that this positive effect will be more pronounced with the larger scale of city commercial banks and the higher degree of the region＇s marketization where the city commercial banks cross. Our study contributes to the existing research on economic consequences of geographic diversification of city commercial banks, and also provides empirical evidence for the geographic diversification strategies of city commercial banks.