| In recent years,with the accelerating process of financial liberalization and financial disintermediation,competition commercial banks faced is increasing.Business model which the traditional deposit and loan business dominates is facing challenge,banks began to look for new profit growth point.Off-balance sheet business which is low-risk and do not take up the capital becomes the development object of banks.The development of off-balance sheet business differentiates among banks of different scale.In 2015,the proportion of non-interest net income accounted for 24.21%in big banks,while the proportion accounted for only 10.16%in small banks.The reason for this difference is that banks of different scale choose different credit technologies.At first,this paper analyzes the internal logic of the relationship among bank scale,credit technology and off-balance sheet business on the basis of the existing theories.Secondly,according to the De Young&Rice analysis method,this paper adopts data of 120 Chinese banks between 2007 and 2015 from the bankscope database to establish "bank income statement" and "bank balance sheet" based on the method of the sized-weighted averages and unweighted averages.It reveals that different scale banks' development of off-balance sheet business exists difference.Finally,the regression equation is established to carry out empirical test,first examine the impact of bank size on bank credit technology,and then examine the impact of bank credit technology on the development of off-balance sheet business.The empirical results show that both of the relationship between bank scale and relationship credit technology and relationship between relationship loan technology and off-balance sheet business are negatively correlated.It shows that big banks tend to choose trading credit technology,and small banks tend to choose relationship credit technology,and the development of off-balance sheet business is mainly driven by trading credit technology. |
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