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Title: |
Empirical Study on Loan Pricing Mechanism of Chinese Commercial Banks |
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Source: |
International Conference on Engineering and Business Management 2012(Part 3 Engineering and Project Management)
(pp 1736-1739)
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Author(s): |
Lei Song, Beijing Institute of Economic Management, Beijing, 100102 |
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Abstract: |
With the panel data of our 13 national commercial banks during year 2002 to 2010, and using methods of pooled OLS model, entity fixed effect model and random effect model, this paper empirical study the mechanism of Chinese commercial banks’ loan pricing. The result shows that the main reasons that affect our commercial banks’ loan pricing is deposit cost and default risk level.
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