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Title: The ownership effects on banks' corporate lending behavior and related risk control in China -a case study of Hunan Province
Author: Yang, Xiaolin
Awarding Body: University of Nottingham
Current Institution: University of Nottingham
Date of Award: 2013
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The purpose of the thesis is to explore the effects of ownership structure on bank corporate lending and credit risk control during the lending process in China by doing the case study of different types of commercial banks in Hunan Province. These issues are investigated under a proposed integrated political economic framework based on central-local government relationship from an institution economy perspective, principal-agent relationship and soft-budget constraint theory. The thesis consists of nme chapters. The first chapter gIves the introduction on the research topic, explains the motivations and research questions. After a literature review with related theoretical analysis in chapter two, Chapter three is devoted to the research design, including the methodology, data collection and research hypothesis. The fOUl1h chapter firstly delivered an introduction of the institutional changes of China's banking system by different types of banks; then, banking regulation reform in China with the independence of banking regulatory institutions at different stages will be discussed. Chapter five gives an introduction to the region economy in Hunan province where three commercial banks as the objectives of case studies located. Then, the following three chapters, chapter six, seven and eight, focus on case studies of three different types of commercial banks with case studies in Hunan Province. Chapter Nine draws the conclusions based on the proceeding chapters. The mam contribution of the research is to fulfilling the gap of the existing literature on government ownership effects on corporate lending behavior of China's banking industry at local level. Especially this thesis has helped to understand the underlying formation mechanism of the current tri-relationships among governments, enterprises and companies. Through these analyses, the present study argues that the banking system in China is not yet a free market. Because of China's unique political system, ownership is still the major determining factor for the lending behavior of commercial banks. The credit risk control procedures during the lending process are formatted in such a way to facilitate its lending behavior. However, this practice could lead to potential problems. Therefore this study has significant and urgent practical importance under current global financial crisis. It also provides policy makers with valuable insights into China's bank development process.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID:  DOI: Not available