A Research Of Commercial Bank Credit Rent-seeking Behavior In China

Along with monetary system reform thorough, some financial problems of corruption arouse people's interest day after day, the rent-seeking activities of the commercial bank credit is a typical example. As China's traditional planned economy system and the administrative system of rent-seeking activities in the banking sector is relatively common, such non-productive activities on economic efficiency is a loss, should try our best to avoid. China's banks, enterprises and the banking regulatory and supervisory departments widespread rent-seeking mentality This is mainly an internal ideological reasons and the system of external causes. Banks, businesses, banking supervision department is actually in a game of mutual process, By introducing the actors related variables, setting up a game model, analysis of the variables is how to influence the behavior of human decision-making, found that the rate of enterprises with a fine, loss of reputation, the cost of inspection rate is closely related to factors such as banks and inspection cost rate, the rebate rate, administrative penalty rate, the rate of bonuses and other closely related to banking supervision and inspection departments cost rate, bonus rates are closely related. Later, according to different functions of these variables, We can design model and then make policy recommendations. When we solve the rent-seeking problem effectively, it will be promoted further deepening of the financial system.