Kryzanowski Lawrence, Liu Jinjing, Zhang Jie
John Molson School of Business at Concordia University, 1455 De Maisonneuve Blvd West, Montreal, QC, H3G 1M8 Canada.
School of Business and Economics, Moravian University, 1200 Main St, Bethlehem, PA 18018 USA.
Financ Res Lett. 2023 Mar;52:103372. doi: 10.1016/j.frl.2022.103372. Epub 2022 Sep 22.
We examine the resilience of Chinese banks during the COVID-19 pandemic by investigating non-performing loan (NPL) ratios. We find that despite the reduction in the growth rate of total bank lending, bank NPL ratios significantly increase during the COVID-19 crisis. Banks with high-quality capital are more effective in controlling their NPL ratios during the Crisis. Big Five banks, state-owned banks and domestic banks have lower NPL ratios than their counterparts during the Crisis.
我们通过调查不良贷款（NPL）比率来考察新冠疫情期间中国银行的韧性。我们发现，尽管银行贷款总额增长率有所下降，但在新冠疫情危机期间，银行的不良贷款率显著上升。拥有优质资本的银行在危机期间更有效地控制其不良贷款率。五大银行、国有银行和本土银行在危机期间的不良贷款率低于同行。
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