Does the Cross Regional Operation of City Commercial Banks Reduce the Bank's Risk-Taking

DOI

10.2991/978-94-6463-056-5_88How to use a DOI?

Keywords

City Commercial Bank; Cross Regional Operation; Bank Risk-Taking

ABSTRACT

Based on the data of 67 commercial banks in China from 2010 to 2020, this paper studies the relationship between the geographical concentration of city commercial banks and their risk-taking level by establishing benchmark regression model and threshold regression model. The research finds that: first, there is a significant negative correlation between the geographical concentration of city commercial banks and their risk-taking level; Second, there is a significant threshold effect between the geographical concentration of city commercial banks and their risk-taking level; Third, as the degree of cross regional operation of city commercial banks increases, continuing to expand the geographical scope of operation will help them reduce the level of risk-taking, but this effect is not obvious.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Hongmei Wen
AU  - Bin Xia
PY  - 2022
DA  - 2022/12/29
TI  - Does the Cross Regional Operation of City Commercial Banks Reduce the Bank's Risk-Taking
BT  - Proceedings of the 2022 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022)
PB  - Atlantis Press
SP  - 599
EP  - 607
SN  - 2589-4900
UR  - https://doi.org/10.2991/978-94-6463-056-5_88
DO  - 10.2991/978-94-6463-056-5_88
ID  - Wen2022
ER  -