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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/62712


    Title: Does Financial Regulation Affect the Profit Efficiency and Risk of Banks? Evidence from China`s Commercial Banks
    Authors: 李桐豪
    Lee,Tung-Hao;Chih,Shu-Hwa
    Lee,Tung-Hao;Chih,Shu-Hwa
    Contributors: 金融系
    Keywords: Financial regulation;Profit efficiency;Z-score;Large and small banks
    Date: 2013.05
    Issue Date: 2013-12-19 11:55:35 (UTC+8)
    Abstract: The goal of financial regulation is to enable banks to improve liquidity and solvency. Stricter regulation may be good for bank stability, but not for bank efficiency. This research aims to examine whether banks have met the CBRC`s standard of financial regulations and explores how the previously implemented financial regulations have affected bank efficiency and risk in the past. In addition, we also explored the trade-off relationship between efficiency and risk. Unlike other studies, this study used bank assets as a classification standard from the financial risk and differential regulatory perspective.The empirical results indicate that the CBRC regulates the provision coverage ratio and cost-to-income ratio, which seems relevant to large banks and the loan-to-deposit ratio, capital adequacy ratio, and leverage ratio, which seems relevant to small banks. The CBRC regulates the current ratio to reduce the risks of banks. Based on our empirical results, the current ratio did not affect the risks and led to different efficiency results between large and small banks. In an environment with asymmetric information, a bank decision-making is unobservable. The characteristics of financial regulation provide market clues if a bank is operating at the most efficiency and risk condition.
    Relation: North American Journal of Economics and Finance, 26, 705-724
    Data Type: article
    DOI link: http://dx.doi.org/10.1016/j.najef.2013.05.005
    DOI: 10.1016/j.najef.2013.05.005
    Appears in Collections:[Department of Money and Banking] Periodical Articles

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