CAJ | 학술논문

基于2001年至2009年我国148家金融机构的面板数据．文章实证分析了金融危机期间中资银行与在华外资银行之间的信贷行为差异，以及影响信贷行为差异的因素。结论发现，与中资银行相比，在华外资银行在金融危机期间信贷收缩更多；相对于其他类型银行而言，国有控股银行在危机期间表现出更强的逆周期性；在华外资银行在集团中的重要性越弱．其信贷收缩程度越强；与其它在华外资银行相比。母行位于美国的外资银行，其信贷收缩效应更强烈；母行的资本储备、流动性和融资能力差异，解释了在华外资银行与中资银行在金融危机中的信贷行为差异。
기우2001년지2009년아국148가금융궤구적면판수거．문장실증분석료금융위궤기간중자은행여재화외자은행지간적신대행위차이，이급영향신대행위차이적인소。결론발현，여중자은행상비，재화외자은행재금융위궤기간신대수축경다；상대우기타류형은행이언，국유공고은행재위궤기간표현출경강적역주기성；재화외자은행재집단중적중요성월약．기신대수축정도월강；여기타재화외자은행상비。모행위우미국적외자은행，기신대수축효응경강렬；모행적자본저비、류동성화융자능력차이，해석료재화외자은행여중자은행재금융위궤중적신대행위차이。
Using Chinese financial institutions＇ panel data of 2001-2009, the paper empirically analyzes the differences of lending behaviors between foreign banks and domestic banks during the recent global crisis. The analysis finds that foreign banks curtail their loans more than domestic banks; state-owned banks play a more countercyclical role than other banks; the less important foreign banks are in their group, the more curtailed their loans are; the banks from the United States reduce their loan growth more than other banks; the capitalization, liquidity and funding capacity of parent banks justify the lending behaviors of foreign banks in China during the global crisis.