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Credit Risk and Bank Credit Behavior under the New Normal Economy

机译：新正常经济下的信用风险和银行信贷行为

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摘要

Macroeconomic volatility and bank credit influence each other, the relationship between them attracted a wide spread attention after the financial crisis in 2008. Thus this paper did the research on Credit risk and bank credit behavior of our country. We found that the credit risk has a pro-cyclical characteristic in China. The results show that:(1) the pro-cyclicality of credit risk on large banks are more obvious than City Commercial Bank; (2) the adjustment of provision for loan loss reserve to credit growth is counter-cyclical. Further study found that counter-cyclical performance of large banks was not significant, City Commercial Bank's loan loss provisioning for loan growth of counter-cyclical adjustment mechanism are obvious. This paper recommends to take counter-cyclical loan loss reserve management measures and non-discretionary manner to deal with the risk of bank credit.
机译：宏观经济波动和银行信贷相互影响，在2008年金融危机后，他们之间的关系吸引了广泛的关注。因此，本文对我国的信用风险和银行信贷行为进行了研究。 我们发现信用风险在中国具有循环特征。 结果表明：（1）大型银行信贷风险的亲周期性比城市商业银行更明显; （2）调整贷款损失储备对信贷增长的规定是反周期的。 进一步的研究发现，大型银行的反周期性表现并不重要，城市商业银行的贷款损失供贷款增长的贷款增长是明显的。 本文建议采取反周期贷款亏损储备管理措施和非酌情方式来处理银行信贷的风险。

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