Study On China Commercial Bank's Credit Behavior

In this paper, the writer first defined what is lending behavior of commercial banks and elaborated the Characteristics of lending behavior. Lending behavior of commercial banks is practically a series of acts which are shown out by commercial banks to reach some targets of economy or politics when they are in a series of credit beings in progress with enterprise, owing to what they have grasped information under certain Institutional frame. This paper introduced the primary western theories of credit contract. And then, the writer made a further discussion considering other important factors that will affect lending behavior of china's commercial banks, such as the information structure, the property rights system and the legal environment. Second, this paper analyzed the current situation of credit market of china's commercial banks. It made a statistical description of china's credit market based on all aspects such as credit scale, credit alternatives and credit sources ,and it made a statistical judgment for the concentration degree and structure type of china's credit market as well. In the light of china's actual situation in the credit market, namely the type of china's credit market is monopolistic competitive credit market with restricted interest rate, the writer built a theoretical model of commercial bank lending behavior under the condition of monopolistic competitive credit market with restricted interest rate in order to analyze the bank lending behavior, and finally the writer came to a conclusion that the restricted interest rate and commercial bank lending behavior are closely connected as the restriction in interest rate will restrict the design of commercial bank lending program. Third, this paper mainly analyzed the phenomenon of credit concentration as well as "excessive loans"," reluctant to loan" and credit expanding, and then discussed how lending behavior of china's commercial banks influence economic fluctuations in china. Last but not least, in respect of the establishment of information sharing system, the reform of property rights system and the completion and perfection of legal system, this paper brought forward some positive relevant policies and advice oriented toward the existing problems of lending behavior of china's commercial banks.