%0 Journal Article
%T China s State-Owned Banks  Lending Practices, 1994-2005: Empirical Tests and Policy Implications
%A Richard C. K. Burdekin and Ran Tao
%J The Open Economics Journal
%D 2008
%I 
%R 10.2174/1874919400801010014]
%X More than half of the assets in China s banking system are accounted for by four huge state-owned commercial banks. This paper examines the changing factors influencing these banks  lending behavior over the post-1994 period on a province-by-province basis. Determinants include the concentration of state-owned enterprises, the level of provincial prosperity, deposit levels, and macroeconomic control variables. We confirm a downward trend in the banks  loan-todeposit ratio combined with some (mixed) evidence of more lending to richer provinces over time. SOE lending remained important for at least one of the four banks.
%U http://www.benthamscience.com/open/toeconsj/articles/V001/14TOECONSJ.htm