CAJ | 학술논문

中国产能过剩问题在金融危机后愈加突出，商业银行作为信用资源配给的关键部门，其授信行为在此背景下是否遵循了市场化原则还有待商榷。论文以中国上市银行2001-2012年的经验证据为样本，重点分析了金融危机后产能过剩下中国商业银行的信贷资源配置行为。研究表明，中国商业银行的信贷资源配置遵循市场化原则。但是，基于控股股东持股结构视角的进一步研究发现，控股股东持股结构对在产能过剩下商业银行信贷资源配置行为具有负面影响，但该负面影响并不显著。论文从产能过剩视角为中国商业银行信贷资源配置行为趋于市场化和商业银行股权改革的红利逐步释放提供了实证证据。
중국산능과잉문제재금융위궤후유가돌출，상업은행작위신용자원배급적관건부문，기수신행위재차배경하시부준순료시장화원칙환유대상각。논문이중국상시은행2001-2012년적경험증거위양본，중점분석료금융위궤후산능과잉하중국상업은행적신대자원배치행위。연구표명，중국상업은행적신대자원배치준순시장화원칙。단시，기우공고고동지고결구시각적진일보연구발현，공고고동지고결구대재산능과잉하상업은행신대자원배치행위구유부면영향，단해부면영향병불현저。논문종산능과잉시각위중국상업은행신대자원배치행위추우시장화화상업은행고권개혁적홍리축보석방제공료실증증거。
China’s overcapacity is increasingly deteriorating because of the financial crisis. It is a central event whether commercial Banks,as the key sector of credit rationing,fol ow the principles of the market to crediting under this background. Based on the statistics from 2001 to 2012 of china’s listed Banks,we’re discussing and analyzing its action about how to al ocate credit under the excess capacity after the financial crisis. The study shows that china’s commercial bank credit al ocation has obeyed market-oriented principle. Therefore,further studies based on the structure of control ing shareholder have found which has an negative impact on the behavior of commer-cial bank’s credit al ocation under the excess capacity,but this impact is not significant. This article provides empirical evidence for China’s commercial Banks’ credit al ocation in term of overcapaci-ty,which further validate the dividend bringing by reform of Commercial bank gradual y releasing.