Will Pressure on Capital Replenishment Aggravate Small-Medium Sized Bank’s Risk Taking? Empirical Evidences from City Commercial Banks

Abstract

Abstract: Based on the unbalanced panel data of 92 city commercial banks in China from 2009 to 2018, this paper conducts an empirical test of the relationship between the pressure on capital replenishment and the risk taking of the small-medium sized banks, and the mediating effect as well. The result shows that the pressure on capital replenishment will significantly aggravate the overall risk taking and the credit risk bearing of the small-medium sized banks, that the banks’ capacity of innovation can weaken the impact of the pressure on capital replenishment on risk taking, and that the banks’ asset scale will strengthen the impact. The results of further study indicate that the pressure on capital replenishment can impact the overall risk taking of the small-medium sized banks through the operation efficiency and can impact the credit risk bearing of the small-medium sized banks through prudent operation level. The regulatory agencies should perfect the multi-level and multi-instrument capital replenishment mechanism for the small-medium sized banks quickly, promote their prudent operation level and the operation efficiency, and strengthen their capacity of endogenous capital replenishment.

Key words: pressure on capital replenishment, risk taking, mediating effect.

CLC Number:

F832.1

ZHANG Jian-bo, WANG Yang. Will Pressure on Capital Replenishment Aggravate Small-Medium Sized Bank’s Risk Taking? Empirical Evidences from City Commercial Banks[J]. Contemporary Finance & Economics, 2021, 0(6): 51-63.

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