The Dynamic Impact of Financial Disintermediation on Credit Business of Chinese Commercial Banks Macro Data from China’s Capital Market
- DOI
- 10.2991/aebmr.k.220307.385How to use a DOI?
- Keywords
- Commercial Banks; Financial Disintermediation; Dynamic Impact; VAR model
- Abstract
Commercial banks play an important role in China’s financial system. However, financial disintermediation has a significant impact on the traditional credit business of commercial banks. The scale of commercial banks’ capital stock has been gradually diverted from the source, causing a certain impact on the credit business. By establishing VAR model, the study found that the impact of bonds and stocks on loans will have alternating response fluctuations in positive and negative directions, repeating the trend once in a 5-year cycle. After the insurance and trust had an impact on the loans, it showed a trend of first falling, then rising and then continuing to fall, indicating that the impact of insurance and trust on commercial bank loans is quite strong. This paper has far-reaching significance for the strategic transformation, structural adjustment, and financial reform of China’s commercial banks, in order to effectively guide the commercial banks to actively respond to the challenges of financial disintermediation.
- Copyright
- © 2022 The Authors. Published by Atlantis Press International B.V.
- Open Access
- This is an open access article under the CC BY-NC license.
Cite this article
TY - CONF AU - Ruixiong Qi AU - Li Zhang AU - Yan Liu AU - Hao Lu AU - Zhijun Liu AU - Yuanyuan Shen PY - 2022 DA - 2022/03/26 TI - The Dynamic Impact of Financial Disintermediation on Credit Business of Chinese Commercial Banks Macro Data from China’s Capital Market BT - Proceedings of the 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022) PB - Atlantis Press SP - 2361 EP - 2366 SN - 2352-5428 UR - https://doi.org/10.2991/aebmr.k.220307.385 DO - 10.2991/aebmr.k.220307.385 ID - Qi2022 ER -