| In recent years, the tide of economic globalization of higher and higher backdrop, China’s economic development efforts close to the world advanced level. In order to encourage economic development, the banking industry was relaxed lending limit, and encourage economic development while banks themselves can be developed. However, a number of problems in the economic development of fruitful economic development is more and more obvious, and brought underestimated the risk to our economy. Banking business loans, while also actively concerned about their own risk, but because there is no systematic consideration of the economic and financial environment, leading to bank loans at the time did not start from the surface but to start from the point, and ultimately makes commercial banks loan to invest more and more concentrated in a few industries, customers and regions, so the development trend of China’s commercial banks have made loan concentration away from the scope of regulation, at the edge of danger.This article has carried on the quantitative concentration of loans to commercial Banks in China, and using the Herfindahl index measure industry concentration and geographic concentration of loans of commercial banks, commercial bank customer concentration exposure ratio calculation, withthese estimates indicators to measure the concentration of commercial banks passenger industry concentration, concentration and customers. Concentration of loans in commercial banks in China are more comprehensive evaluation of these three indicators. On finishing the foundation of learning of the previous literature has explored the impact of China’s commercial banks loan concentration of its non-performing loan ratio. Select China’s16listed commercial banks2009-2011data use econometric methods the relationship do an empirical analysis focused on China’s commercial banks loans and non-performing loan rate to arrive at loan concentration impact of operational risks of commercial banks. Finally, according to the previous analysis of the suggestions,I hope China’s commercial banks more concerned about risk in the pursuit of revenue, reversing the trend of China’s commercial bank loans to invest in increasingly concentrated in recent years. |
