The Impact Of Capital Restriction On Credit Behavior Of Commercial Banks

Commercial banks are one of the most important financial instruction in the national financial system.Commercial banks also play an important role in helping the development of China's real economy and national stability.If commercial banks produce risk events,they will also have a great impact on the real economy.The 2008 financial crisis has already told us that if there are problems in the financial supervision system,it will have a serious impact.Basel Banking Regulatory Commission promulgated Basel Agreement III in 2010,which further improved the capital regulatory framework of commercial banks.At the same time,our country also actively explores the capital supervision system,and constantly promulgates relevant capital supervision policies,hoping to adjust bank credit behavior through capital constraints,so as to affect the real economic development.With the continuous growth of China's comprehensive strength in recent years,many large domestic commercial banks have met the characteristics of big but not falling banks,in addition to other commercial banks business is constantly improving.It reflects the increasing importance of capital regulation,and the impact of capital constraints on the credit behavior of commercial banks has become an important research topic.Firstly,this paper combs the development history and current situation of capital supervision system at home and abroad,and then clarifies the main issues to be studied in this paper,namely,the impact of capital constraints on credit behavior of commercial banks.In the front,this paper reviews the relevant researches of scholars at our country and abroad,and finds that the research mainly focuses on the study of the capital adequacy ratio on the credit growth of commercial banks.In this paper,the difference between the target capital adequacy rate and the actual capital adequacy rate is used as the capital constraint variable.The credit growth rate,credit structure and loan pricing are studied and analyzed for the sample banks.Then,this paper needs to study the problem through theoretical analysis and empirical analysis.In terms of theoretical analysis,we discuss the impact of capital regulation and capital constraints on commercial banks' credit behavior.Empirical analysis shows that capital constraints have a significant negative correlation with the growth rate of bank credit of commercial banks,and also have a great impact on the loan structure of commercial banks.In addition,capital constraints on commercial banks will also lead to changes in loan pricing levels.Finally,this paper provides some suggestions on the credit growth rate,credit structure and loan pricing of commercial banks through sample classification,hoping to contribute to the impact of capital constraints on the credit behavior of commercial banks.