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基于2001年至2009年我国148家金融机构的面板数据,文章实证分析了金融危机期间中资银行与在华外资银行之间的信贷行为差异,以及影响信贷行为差异的因素。结论发现,与中资银行相比,在华外资银行在金融危机期间信贷收缩更多;相对于其他类型银行而言,国有控股银行在危机期间表现出更强的逆周期性;在华外资银行在集团中的重要性越弱,其信贷收缩程度越强;与其它在华外资银行相比,母行位于美国的外资银行,其信贷收缩效应更强烈;母行的资本储备、流动性和融资能力差异,解释了在华外资银行与中资银行在金融危机中的信贷行为差异。
Based on the panel data of 148 financial institutions in China from 2001 to 2009, the article empirically analyzes the differences in credit behavior between Chinese banks and foreign-funded banks in China during the financial crisis and the factors that influence the differences in credit behavior. Conclusions: Compared with Chinese banks, foreign-funded banks in China have more credit contraction during the financial crisis than other Chinese banks. Compared with other types of banks, state-owned banks show more countercyclicality during the crisis. Foreign-funded banks in China The weaker the group is, the stronger its credit contraction is. Compared with other foreign banks in China, the foreign banks with their parent banks located in the United States have a stronger credit contraction effect. The capital stock, liquidity and financing of the parent bank Differences in ability explain the differences in credit behavior between foreign-funded banks and Chinese-funded banks in the financial crisis in China.