Does the target market affect bank performance? Evidence from the geographic diversification of city commercial banks in China

نویسندگان

چکیده

Abstract After the opening up of banking sector to domestic and foreign capitals which is approved by Chinese government, China Banking Regulatory Commission (CBRC) has permitted city commercial banks diversify geographically. Since this deregulation in 2006, began geographically occupy market acquire more financial resources. To examine causal relationship between geographical diversification bank performance, we construct an exogenous instrument using gravity-deregulation model a policy shock. We find that negatively affects performance. Moreover, conduct some mechanism tests context. target with several large- medium-sized high level local protectionism decreases performance banks. Finally, cross-sectional analyses show impact on banks’ notable among are younger, have lower capital adequacy ratio higher non-performing loan ratio.

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ژورنال

عنوان ژورنال: Frontiers of Business Research in China

سال: 2021

ISSN: ['1673-7326', '1673-7431']

DOI: https://doi.org/10.1186/s11782-021-00104-x