Proceedings of the 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022)

The Dynamic Impact of Financial Disintermediation on Credit Business of Chinese Commercial Banks Macro Data from China’s Capital Market

Authors
Ruixiong Qi1, *, Li Zhang1, Yan Liu1, Hao Lu1, Zhijun Liu1, Yuanyuan Shen2
1Business School, Shanxi Datong University, Datong, Shanxi 037009, China
2Datong Branch, China Construction Bank, Datong, Shanxi 037005, China
*Corresponding author. Email: qrx_dtdx@163.com
Corresponding Author
Ruixiong Qi
Available Online 26 March 2022.
DOI
10.2991/aebmr.k.220307.385How to use a DOI?
Keywords
Commercial Banks; Financial Disintermediation; Dynamic Impact; VAR model
Abstract

Commercial banks play an important role in China’s financial system. However, financial disintermediation has a significant impact on the traditional credit business of commercial banks. The scale of commercial banks’ capital stock has been gradually diverted from the source, causing a certain impact on the credit business. By establishing VAR model, the study found that the impact of bonds and stocks on loans will have alternating response fluctuations in positive and negative directions, repeating the trend once in a 5-year cycle. After the insurance and trust had an impact on the loans, it showed a trend of first falling, then rising and then continuing to fall, indicating that the impact of insurance and trust on commercial bank loans is quite strong. This paper has far-reaching significance for the strategic transformation, structural adjustment, and financial reform of China’s commercial banks, in order to effectively guide the commercial banks to actively respond to the challenges of financial disintermediation.

Copyright
© 2022 The Authors. Published by Atlantis Press International B.V.
Open Access
This is an open access article under the CC BY-NC license.

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Volume Title
Proceedings of the 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022)
Series
Advances in Economics, Business and Management Research
Publication Date
26 March 2022
ISBN
978-94-6239-554-1
ISSN
2352-5428
DOI
10.2991/aebmr.k.220307.385How to use a DOI?
Copyright
© 2022 The Authors. Published by Atlantis Press International B.V.
Open Access
This is an open access article under the CC BY-NC license.

Cite this article

TY  - CONF
AU  - Ruixiong Qi
AU  - Li Zhang
AU  - Yan Liu
AU  - Hao Lu
AU  - Zhijun Liu
AU  - Yuanyuan Shen
PY  - 2022
DA  - 2022/03/26
TI  - The Dynamic Impact of Financial Disintermediation on Credit Business of Chinese Commercial Banks Macro Data from China’s Capital Market
BT  - Proceedings of the 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022)
PB  - Atlantis Press
SP  - 2361
EP  - 2366
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.220307.385
DO  - 10.2991/aebmr.k.220307.385
ID  - Qi2022
ER  -