01247nas 2200421- 450 991058555830332120240802213015.02775-4243(OCoLC)1339554364(CKB)5840000000052380(CONSER)--2024242473(DE-599)ZDB3165047-8(EXLCZ)99584000000005238020220802a20219999 --- -engurunu||||||||txtrdacontentcrdamediacrrdacarrierAscarya journal of Islamic science, culture and social studiesBlitar, Indonesia :Perkumpulan Alumni dan Santri Mahyajatul Qurro',2021-1 online resource2798-5083 ISCSJurnal AscaryaIslamPeriodicalsIslam and sciencePeriodicalsIslam and culturePeriodicalsIslam and the social sciencesPeriodicalsPeriodicals.lcgftIslamIslam and scienceIslam and cultureIslam and the social sciencesJOURNAL9910585558303321Ascarya2903332UNINA04672oam 22010574 450 991096732150332120250426110730.0978661382633697814623397231462339727978145273501614527350189781283513883128351388997814519086711451908679(CKB)3360000000443624(EBL)3014540(SSID)ssj0000943025(PQKBManifestationID)11592955(PQKBTitleCode)TC0000943025(PQKBWorkID)10975058(PQKB)11205523(OCoLC)694141245(IMF)WPIEE2006071(MiAaPQ)EBC3014540(IMF)WPIEA2006071WPIEA2006071(EXLCZ)99336000000044362420020129d2006 uf 0engur|n|---|||||txtccrProgress in China’s Banking Sector Reform : Has Bank Behavior Changed? /Richard Podpiera1st ed.Washington, D.C. :International Monetary Fund,2006.1 online resource (25 p.)IMF Working Papers"March 2006."9781451863314 1451863314 Includes bibliographical references.""Contents""; ""I. INTRODUCTION""; ""II. REFORMS IN TWO PILOT BANKS""; ""III. REFORMS IN OTHER BANKS AND DEPOSIT-TAKING INSTITUTIONS""; ""IV. CREDIT RISK AND BANK LENDING DECISIONS ""; ""V. CONCLUSIONS AND ISSUES GOING FORWARD: CREATING THE INCENTIVES AND INFRASTRUCTURE FOR BANKS TO OPERATE EFFICIENTLY""; ""- APPENDIX""Substantial effort has been devoted to reforming China's banking system in recent years. The authorities recapitalized three large state-owned banks, introduced new governance structures, and brought in foreign strategic investors. However, it remains unclear the extent to which currently reported data reflect the true credit risk in loan portfolios and whether lending decisions have started to be taken on a commercial basis. We examine lending growth, credit pricing, and regional patterns in lending from 1997 through 2004 to look for evidence of changing behavior of the large state-owned commercial banks (SCBs). We find that the SCBs have slowed down credit expansion, but that the pricing of credit risk remains undifferentiated and banks do not appear to take enterprise profitability into account when making lending decisions. Controlling for several factors, we find that large SCBs have continued to lose market share to other financial institutions in provinces with more profitable enterprises. The full impact of the most recent reforms will become clear only in several years, however, and these issues should be revisited in future research.IMF Working Papers; Working Paper ;No. 2006/071Banks and bankingGovernment ownershipChinaBanks and bankingState supervisionChinaBank loansChinaCreditManagementChinaCorporate governanceChinaBankingimfBanks and BankingimfBanks and bankingimfBanksimfCommercial banksimfDepository InstitutionsimfFinanceimfIndustries: Financial ServicesimfLoansimfMicro Finance InstitutionsimfMortgagesimfNonperforming loansimfState-owned banksimfChina, People's Republic ofimfBanks and bankingGovernment ownershipBanks and bankingState supervisionBank loansCreditManagementCorporate governanceBankingBanks and BankingBanks and bankingBanksCommercial banksDepository InstitutionsFinanceIndustries: Financial ServicesLoansMicro Finance InstitutionsMortgagesNonperforming loansState-owned banksPodpiera Richard1816056International Monetary Fund.Monetary and Financial Systems Dept.DcWaIMFBOOK9910967321503321Progress in China’s Banking Sector Reform4372006UNINA