| dc.description.abstract | Under the establishment of new banks and the measures of privatization of government-controlled banks, the competitive markets for financial institutions become harsher. At the premise of high homogenization of products, bankers competed in prices, raising lending rates or even lower threshold of crediting for customers. Above situation not only mired them in a morass of vicious competition, but also brought problems of shrinking profits and rising in bad debts and default loans. In recent years the government has come to realize the adverse financial environment, thus the government took measures on financial institutions merging and took over the financial institutions with poor performance. Apart from this, the time schedules of execution of BASEL II also made to catch up with the world trend, to let the banks with role of capital intermediation may maintain a healthy competition and manage well under stable environment.
Crediting was the main business and profitable operation of banks, therefore the factors influencing the lending behavior was an important topic. This research used six branch banks under certain domestic commercial bank as out sample, and input the cross-sectional data in a single fiscal year, conduct empirical analysis through binary model (Logit、Probit)and Multinomial Logit model. From the empirical results: New cases or not, high or low contribution rates and the number of banks with connection had significant correlations with crediting approval. It meant that the establishment of connection with bank was helpful in striving for loans. In addition, the applied amount in this time, total crediting amount from banks, self-liquidating loans, and the restricted using amount that were related to bank credit lines, credit courses and credit conditions also had significant relations with crediting approval. In discussion of whether the approval authority influenced the crediting behavior or not, this research added the upper manager and simplified branch or not, through regression analysis, it turned out that the two variables above also had significant influence on crediting behavior. Finally, the collateral was still one of the major elements to be considered in crediting decision from bank, full collateral assurance led the banks more easily agree to allocate credits. With the gradual introduction of BASEL II, the credit rating is built, and the empirical results also confirmed that borrowers’’ credit rating will affect the results of approving firm’s crediting. | en_US |