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Chinese banking system: Peculiarities in a comparison with Italian case
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作者 Manuela Gallo Valeria Vannoni 《Chinese Business Review》 2010年第8期1-12,共12页
The analysis of principal data on Chinese banks highlights how they are exposed to credit risk, primarily generated from loans to public companies. Chinese banks have a good capital provision; The analysis of economic... The analysis of principal data on Chinese banks highlights how they are exposed to credit risk, primarily generated from loans to public companies. Chinese banks have a good capital provision; The analysis of economic data describes a system oriented towards relationship lending; The average profitability per employee shows wide margins of improvement in terms of efficiency and technological equipment. The comparison with the case of Italy, which like China can be considered an economy heavily oriented to banking intermediation, it is useful to highlight some peculiarities of the Chinese banking system. 展开更多
关键词 China banking system bank performances
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Islamic Banking System and Mode of Leasing: A Comparative Analysis in the Light of Maqasid al-Shari'ah
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作者 Naseem Razi 《Cultural and Religious Studies》 2014年第6期349-359,共11页
This article discusses Islamic Banking System and its mode of leasing in the light of the objectives of Shari'ah. It explores that the objectives behind the introduction of Islamic finance and banking system were the... This article discusses Islamic Banking System and its mode of leasing in the light of the objectives of Shari'ah. It explores that the objectives behind the introduction of Islamic finance and banking system were the elimination of capitalist banking interest, exploitation of poor segment of the society and the establishment of an economic system which may lead to sustain a balance economic order and social justice. In this context, it intends to analyze the mode of leasing provided by Islamic Banking system in the light of the objectives of Shari'ah and discloses that although Islamic Banking system is based on the principle of mudarbah, musharkah and Ijarah and deals with the customers in that context, yet apparently, the effects of these transactions are not much different from capitalist modes due to same consequences and effects of these transactions. It thus, provides a comparative analysis of the issue, i.e., mode of leasing at both Islamic and capitalist Banks. It argues that a common man can not avail Islamic financing/leasing if he lacks financial resources. If a poor person tries to purchase something by way of ijarah through Islamic Banking finance, he does not find any difference in the payment of the total cost between capitalist mode of leasing and Islamic mode of ijarah. Hence, this article concludes that although Islamic financing achieved a remarkable development among the Muslims, yet there is a need to revise the policy and system of Islamic financing in the light of the objectives of Shari'ah. It also concludes that the mode of leasing provided at Islamic Banks does not accomplish the objectives of its establishment which is public interest. At present, this system is unable to assist the poor segment of the society or to provide ease to them. 展开更多
关键词 Islamic banking system mode of leasing capitalist mode of leasing comparison and compatibilitywith Maqasid al-Shari'ah
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Merger and Acquisition, the Next Day in the Hellenic Banking System, Evidence From the Greek Financial Crisis Period
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作者 Gkinoglou E. Konstantinou Th. Gkinoglou D. 《Management Studies》 2021年第6期425-438,共14页
The aim of this study is to examine if the merger of banks improves the profitability of banks before and after the completion of the merger,in the Hellenic Banking System.For this reason,data were collected one year ... The aim of this study is to examine if the merger of banks improves the profitability of banks before and after the completion of the merger,in the Hellenic Banking System.For this reason,data were collected one year before the merger took place and then for the following years.The consequences of merging banks using different financial indicators,such as the capital ratio index,the foreign-to-equity index and the loan burden numerator,were also investigated.The effectiveness of interpreting the improvement of the bank’s financial image before and after the merger,for the years 2007-2016,years,before and after the Greek Financial Crisis,in the mergers carried out in the Hellenic Banking System was examined. 展开更多
关键词 MERGER acquisition financial institutions Hellenic banking system Greek Banks PROFITABILITY ACCOUNTING financial statements financial ratios
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Another Big Step Forward in the Reform of China's Banking System
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《China's Foreign Trade》 1999年第6期15-16,共2页
关键词 Another Big Step Forward in the Reform of China’s banking system
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Investigating the Financial Crisis in 2008 from the Perspective of Banking Systems
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作者 Tonglei Zhang 《Journal of Finance Research》 2021年第2期67-71,共5页
The financial crisis of 2008 precipitated by credit issues in the US housing market is probably one of the most profound financial events in recorded history.Its shockwaves have significantly affected almost every mar... The financial crisis of 2008 precipitated by credit issues in the US housing market is probably one of the most profound financial events in recorded history.Its shockwaves have significantly affected almost every market centre as well as country in the world.The aim of this report is accordingly to investigate major reasons behind the crisis from a special angle of banking systems.In particular,problems hidden in regulations,mechanisms and systems in the wake of the financial crisis are focused specifically in this report. 展开更多
关键词 REGULATION Mechanism Shadow bank Financial crisis banking system
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Effectiveness of the Global Banking System in 2010: A Data Envelopment Analysis Approach
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作者 Ngo Dang-Thanh 《Chinese Business Review》 2011年第11期961-973,共13页
The current crisis has revealed the weaknesses of the global financial in general and its banking system in particular and puts forward a requirement for assessing the effectiveness and stability of the banking sector... The current crisis has revealed the weaknesses of the global financial in general and its banking system in particular and puts forward a requirement for assessing the effectiveness and stability of the banking sectors across countries. Based on available data from 64 countries over the world, the author tried to evaluate the effectiveness of the banking sectors in those countries through the view point of the data envelopment analysis approach to define how the global banking systems is under the effect of the current crisis. Findings from the research showed that banking systems in advanced economies are still more effective than in developing countries. Moreover, it explained the effect of the current financial crisis, the role of public finance (and the government), and the development of the (privately) commercial banks to the effectiveness of the banking sectors. The research also explained some determinants that can affect the effectiveness of the banking system, including inflation, bank concentration, and level of economic development. 展开更多
关键词 data envelopment analysis EFFECTIVENESS EFFICIENCY banking cross countries
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Overcapitalization in China’s banking system
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作者 王国刚 《China Economist》 2008年第6期109-119,共11页
Increasing the required reserve ratio under the circumstances of immense excess reserve cannot tighten the money supply; it can, however, avoid loosening the money supply. Similarly, it cannot tighten the credit loan ... Increasing the required reserve ratio under the circumstances of immense excess reserve cannot tighten the money supply; it can, however, avoid loosening the money supply. Similarly, it cannot tighten the credit loan by raising the interest rates of deposits and loans, but it can stimulate the growth of credit loans. The soaring CPI, stock prices and housing prices do not result from excess liquidity. On the contrary, excess liquidity and its growth restrain their rapid growth. 展开更多
关键词 China banking system EXCESS LIQUIDITY ANALYSIS
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Tapping excess capital in China’s banking system
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作者 王国刚 《China Economist》 2009年第4期121-128,共8页
Excessive liquidity seriously affects Chinese economy. Thus, various policy proposals have been submitted by some scholars. The author holds that whatever form it may take, reducing trade surplus would harm China’s e... Excessive liquidity seriously affects Chinese economy. Thus, various policy proposals have been submitted by some scholars. The author holds that whatever form it may take, reducing trade surplus would harm China’s economic development. On the other hand, it is difficult to boost domestic consumption by increasing the resident spending on food, clothing etc. In order to consolidate the policy of domestic demand, it is important to separate production and non-production investment and create better economic conditions by accelerating the development of non-production investment and increasing the supply of "housing, traveling and education" related consumption. 展开更多
关键词 China’s banking system EXCESSIVE LIQUIDITY COUNTERMEASURE analysis
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ICT as an Instrument of Enhanced Banking System
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作者 Emmanuel N. Ekwonwune Deborah U. Egwuonwu +1 位作者 Leticia C. Elebri Kanayo K. Uka 《Journal of Computer and Communications》 2017年第1期53-60,共8页
This study investigated the role of Information and Communications Technology in an enhanced banking operation using Diamond Bank Plc, Imo State as a case study. The study was motivated by the fact that most industrie... This study investigated the role of Information and Communications Technology in an enhanced banking operation using Diamond Bank Plc, Imo State as a case study. The study was motivated by the fact that most industries, financial institutions rely on gathering, processing, analyzing, and providing information in order to meet the needs of customers. It was based on data primarily, collected from both the primary and secondary sources which seek to investigate role of Information and Communications Technology in the banking industry. This piece of work, through direct investigation, interviews and questionnaires used to examine the role of Information and Communication Technology, plays in the banking industries and how it has affected the employment generation in the industries. It was gathered that ICT has positively affected the bank, the employees and the customers. The result also shows the application has improved banking services, maintained high level of proficiency and efficiency, reduced the long time spent on queues and brought about increase in employment opportunities. 展开更多
关键词 ICT BANKS Information Technology EFFICIENCY TECHNOLOGICAL INNOVATION
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The Research on Shadow Banking System in China
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作者 Xu Chen Shuwen Chen 《Journal of Economic Science Research》 2019年第4期31-35,共5页
The shadow banking system has grown stronger in the process of evading supervision.Together with traditional commercial banks,it has become an important participant in the financial system,which has caused a fundament... The shadow banking system has grown stronger in the process of evading supervision.Together with traditional commercial banks,it has become an important participant in the financial system,which has caused a fundamental change in the structure of the global financial system.As an exogenous reform force in China’s special period,Shadow Bank has become an important channel for financial resources to“disconnect from reality”.Despite the lack of substantial securitization,China’s shadow banking system has developed rapidly.This paper analyzes the development motivation.This paper believes that the scope of China’s shadow banking system can be defined according to the nature of the fund supply side. 展开更多
关键词 SHADOW BANK system FINANCIAL STABILITY CAPITAL supply SIDE
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Blockchain Application in Banking System
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作者 Minhaj Uddin Chowdhury Khairunnahar Suchana +1 位作者 Syed Md Eftekhar Alam Mohammad Monirujjaman Khan 《Journal of Software Engineering and Applications》 2021年第7期298-311,共14页
<span style="font-family:Verdana;">The 21<sup>st</sup> Century is all about technology. People are open to accepting new technologies as the need for modernization is increasing every singl... <span style="font-family:Verdana;">The 21<sup>st</sup> Century is all about technology. People are open to accepting new technologies as the need for modernization is increasing every single day. Blockchain is one of those new and revolutionary technologies that will have a significant impact on the market and industry. In layman’s terms, Blockchain is a data structure that stores transactional records while also ensuring security, transparency, and decentralization. There is a digital signature on every transaction on a blockchain, which proves the authenticity of the blockchain. In a Blockchain, data is stored which is tamper-proof and cannot be changed as it uses encryption and digital signatures. To change a record on a blockchain, one needs to change several records, and one needs to change the distributed ledger. That’s why it’s quite impossible to change the data which has already been entered into a Blockchain. The Blockchain is a technology that will allow transactions simply, safely, effectively, and also safely. This is a very promising technology. It’s already in a lot of places. It can also solve any problem in the banking sector. This technology became famous after introducing the first cryptocurrency, which is known as bitcoin. Right now, there is a huge problem with banking, and the Blockchain can solve these problems. This paper will demonstrate transacting over a secure, blockchain-based network and therefore eliminate the need for intermediary entities. This paper is a review-based paper that provides the application and opportunities of the Blockchain in the banking system. The purpose of this paper is to provide a review of the application and opportunities of the Blockchain for a secure banking system. In this review investigation and analysis of this paper at the beginning, related work from other authors in the same fields has been discussed. Then the working method of the Blockchain technology has been introduced with analysis. The use of blockchain technology for secure banking has been discussed. The main achievement of this paper is to demonstrate how the Blockchain works and how it can be useful in the secure banking industry.</span> 展开更多
关键词 Blockchain banking Immutable Record Distributed Ledger HASH APPLICATION
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A Banking System in Transition
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作者 WANG ZHIPENG 《China Today》 2002年第11期70-71,共2页
THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese ... THE four large state-owned commercial banks - the Industrial and Commercial Bank of China, the Bank of China, the Construction Bank of China, and the Agricultural Bank of China, constitute the backbone of the Chinese banking system. Owing to low efficiency, lack of capital, and a high rate of bad debts over time, however, the system was weak and ineffective. In order to redress the situation, late last century the Chinese government launched reforms to streamline these four commercial banks and their operations. The banks subsequently set up asset management companies to buy back and resolve non-performing assets. Their operational structure was also upgraded and optimized so as to improve management efficiency and economic performance. 展开更多
关键词 BANK
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Open banking and inclusive finance in the European Union:perspectives from the Dutch stakeholder ecosystem
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作者 Massimo Preziuso Franziska Koefer Michel Ehrenhard 《Financial Innovation》 2023年第1期2752-2778,共27页
In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the r... In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators. 展开更多
关键词 The Revised Payment Services Directive(PSD2) Open banking Inclusive finance ECOsystemS FinTech The Netherlands The European Union
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Research on Early Warning of Banking Crises from the Perspective of Credit Structures
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作者 Zhou Yuqin Luo Zixuan Wu Shan 《Contemporary Social Sciences》 2024年第3期45-63,共19页
The relationship between credit expansion and banking crises is complex and cannot be fully explained by total credit alone.A systematic analysis of the relationship between the amount and structure of total credit an... The relationship between credit expansion and banking crises is complex and cannot be fully explained by total credit alone.A systematic analysis of the relationship between the amount and structure of total credit and banking crises is important for an objective prediction of the influence of potential financial risks.This paper,drawing on data from 15 selected countries,delves into the power of credit indicators in the early warning of banking crises from the perspectives of industrial structure,sector structure,and term structure of credit.Various machine learning methods were used,including Logistic Regression,Random Forest,Decision Tree,Support Vector Machine(SVM),Bagging,and Boosting models.The empirical findings indicate that credit expansion plays a crucial role in triggering banking crises.However,total credit is better suited for the early warning of short-term banking crises,whereas credit structure is more useful for the early warning of long-term banking crises.Moreover,in an early warning system,identifying key early warning indicators is more meaningful than merely increasing the number of indicators.Machine learning can somewhat enhance the early warning power,but it may not always be robust.Therefore,more attention should be paid to potential systemic banking crises resulting from an imbalance in credit structure while regulating the total credit threshold. 展开更多
关键词 banking crises credit expansion transnational empirical evidence structural perspective
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A novel DPSS filter optimization scheme to reduce the intrinsic interference of FBMC-QAM systems
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作者 董琪阳 MA Tianming +1 位作者 JIN Jie WU Zhong 《High Technology Letters》 EI CAS 2024年第1期68-74,共7页
In order to reduce the intrinsic interference of the filter bank multicarrier-quadrature amplitude modulation(FBMC-QAM)system,a novel filter optimization scheme based on discrete prolate spheroidal sequences(DPSS)is p... In order to reduce the intrinsic interference of the filter bank multicarrier-quadrature amplitude modulation(FBMC-QAM)system,a novel filter optimization scheme based on discrete prolate spheroidal sequences(DPSS)is proposed.Firstly,a prototype filter function based on DPSS is designed,since the eigenvalue can be used as an indicator of the energy concentration of DPSS,so a threshold is set,and the sequence with the most concentrated energy is selected under the threshold,that is,the sequence with the eigenvalue higher than the threshold,and the prototype filter function is rewritten as a weighted sum function of multiple eigenvectors.Under the energy constraints of the filter,the relationship between the eigenvectors and the intrinsic interference function is established,and the function problem is transformed into an optimization problem for the weighted coefficients.Through the interior point method,the most suitable weight is found to obtain the minimum intrinsic interference result.Theoretical analysis and simulation results show that compared with the prototype filters such as Type1 and CaseC,the DPSS filter applying the proposed optimization algorithm can effectively suppress the intrinsic interference of the system and obtain a better bit error rate(BER)performance. 展开更多
关键词 filter bank multicarrier-quadrature amplitude modulation(FBMC-QAM) intrinsic interference discrete prolate spheroidal sequences(DPSS) interior point method
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The Impact of the Monetary Policy During the COVID-19 in the Brazilian Banking Sector
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作者 Karina Robial Michele Nascimento Jucá 《Chinese Business Review》 2024年第2期60-75,共16页
The COVID-19 pandemic caused an outbreak on the global productive chains,transforming companies and society in general.Governments adopted anticyclical policies such as basic interest rates reduction as response.Brazi... The COVID-19 pandemic caused an outbreak on the global productive chains,transforming companies and society in general.Governments adopted anticyclical policies such as basic interest rates reduction as response.Brazil basic interest rate is denominated Selic.The application of these policies requires the protagonist of bank’s financial intermediation.This study aims to verify two events-under the perspective of the efficient markets’theory.The first is the communication of the first death by COVID-19-and the subsequent,Selic rate reduction to 2%p.a.-and its effects on bank’s shares prices.The hypotheses presented are:H1-The announcement of the first death by COVID-19 negatively impacts the banks’shares returns and H2-The announcement of the Selic interest rate-during the COVID-19-positively impacts the return of the banks’shares.We adopt event study methodology in a final sample of nine and 15 banks to Events 1 and 2 respectively.The results confirm H1 as well as the semi-strong informational efficiency market.H2 is not confirmed.Results confirm the non-effectiveness of the anticyclical policy of basic interest rate reduction.This contributes to the discussion about the impacts of COVID-19 and the efficacy of anticyclical policies. 展开更多
关键词 monetary policy COVID-19 BANKS Brazil event study
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ISO Certification and Technical Efficiency in the Banking Sector:An Evidence from WAEMU’s Countries Using the DEA Method
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作者 Gnoleba Martin Zahore 《Economics World》 2024年第2期55-68,共14页
In the view of the international organization of standardization,the introduction of ISO standards is typical of quality management systems oriented towards strengthening the efficiency of enterprises.Business banks a... In the view of the international organization of standardization,the introduction of ISO standards is typical of quality management systems oriented towards strengthening the efficiency of enterprises.Business banks are not excluded from this requirement.The current study aims to evaluate the effect of ISO certification on the technical performance of WAEMU banks.Using BCEAO data(2020),the DEA model and Tobit estimates show that ISO certification has no effect on the efficiency scores of the banks in the sample.It is therefore appropriate for these banks to work on improving their business climate. 展开更多
关键词 business banks DEA technical efficiency ISO WAEMU TOBIT
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Banking system reform,earnings quality and credit allocation 被引量:2
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作者 Xiuli Zhu Lianjun Li Yunkui Xue 《China Journal of Accounting Research》 2012年第3期217-229,共13页
This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in list... This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in stateowned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-stateowned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime. 展开更多
关键词 banking system reform OWNERSHIP Earnings quality Credit allocation
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Is China Ready for Adopting a Universal Banking System?
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《World Economy & China》 SCIE 2001年第2期17-23,共7页
关键词 Is China Ready for Adopting a Universal banking system
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Bank Reforms, Competition and Efficiency in China's Banking System: Are Small City Bank Entrants More Efficient? 被引量:4
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作者 Hui-Lin Lin Chia-Chi Tsao Chih-Hai Yang 《China & World Economy》 SCIE 2009年第5期69-87,共19页
This paper analyzes technical efficiency in China's banking system by large banks and small city banks as well as the pre-WTO and post-WTO accession periods'. Using an unbalanced panel dataset for 63 banks over 1997... This paper analyzes technical efficiency in China's banking system by large banks and small city banks as well as the pre-WTO and post-WTO accession periods'. Using an unbalanced panel dataset for 63 banks over 1997-2006 and employing the stochastic frontier function approach, the empirical results reveal that the new entrants, small city banks, experienced a slightly higher efficiency score than incumbent large banks, on average. Compared with the pre- WTO accession period, the efficiency score is found to have improved significantly after entry into the WTO as a result of the competition effect. This competition effect is particularly relevant for small city banks. Finally, determinants of X-inefficiency are examined 展开更多
关键词 bank reform COMPETITION EFFICIENCY small bank
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