Banking in China (Palgrave Macmillan Studies in Banking and by V. Cousin

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By V. Cousin

China's banking procedure has a primary function to play within the improvement of the rustic. This quantity bargains a detailed research of the chinese language banking region, of its demanding situations, and the explanations for its current shape, in addition to the results for reform. Volaine Cousin's discusses intensive the categories of financial institution working in China and analyzes the industry's serious concerns similar to monetary intermediation, capital, and credits possibility administration, company governance, and analyzes the demanding situations forward in terms of retail banking, Basel II and the WTO club.

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The interest rate for deposits above those of the reserve requirements. 99%. 25%. The basis rates of the PBOC also can influence banks’ behaviour. Banks lack the right incentives to lend more of their deposits to enterprises. , 2004). Until 2004, to ensure an inexpensive financial support to enterprises and to retain some power over terms and uses of loans (Girardin, 1997), PBOC authorised only a small band within which interest rates could move compared to the base rate. Furthermore as fees can only be charged within the narrow scope defined by PBOC (banks only started in May 2006 to charge ATM fees, for example), lending pricing did not take into account creditworthiness and the scope for competition was reduced.

4). Loans are now equally divided between short-term and medium- to long-term ones (45%). 5% of all loans respectively (Euromonitor, 2004). The growth rates for short-term loans are much lower than for longerterm loans. 3 2002 2003 2004 Medium- to long-term loans Loans by maturity. cn. 4 2002 Commerce 2003 2004 Construction 2005 Agriculture Short-term loans by sector. cn. cn. 6) (75% of consumer loans, with maturities ranging from 10 to 30 years). Geographic scope The SOCBs have the most extensive branch networks and are present throughout China, although recently they have reduced the number of branches (especially in rural areas) to make their networks more efficient.

2005). Administrative measures are used whenever required to support SOEs’ reforms, to support the state sector in general or to direct funds to specific economic sectors or regions. 5% to stem the strong loan volume growth in 2004 and increased the lending rate by 27 basis points (bp) at the end of April 2006. 2 Finally the impact of market instruments is reduced by the fact that the Chinese economy still depends to a large extent upon administrative steering. China Banking Regulatory Commission To increase the independence of the central bank and the efficiency of the regulatory function, the central government established in March 2003 the CBRC.

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