• International Area Studies Review
• /
• v.12 no.2
• /
• pp.79-97
• /
• 2008

After entering into the WTO in October, 2001, China started opening her bank industry on a full scale and her financial markets from the end of 2006. It is true that the Chinese commercial banks should make efforts to enhance their operational efficiency for adapting the rapid change of financial environments. In this paper, the efficiency of 4 Chinese state-owned commercial banks and 11 share holding commercial banks has been estimated. Our Tobit model to find out the determinants of these banks' efficiency. The results are as follows: The efficiency of these banks kept being improved from 1999 to 2003. With regard to the relationship between the determinants and the bank efficiency, their capital ratios, ownership structures and government subsidies are significant at the 5% level while the return on asset(ROA) is significant at the 10% level. The relationship between the determinants and the efficiency has showed that the size, capital ratios, ROA and ownership structure showed significantly before the entry to WTO, on the other hand, after WTO their capital ratios are the only factor to determine their efficiencies.

• International Area Studies Review
• /
• v.15 no.1
• /
• pp.341-365
• /
• 2011

This study used a non-parametric linear program, Data Envelopment Analysis to compare the efficiency of South Korean and Chinese banks from 2000 to 2008, which is said to be the reformation period of their financial structure. The sample banks were 10 commercial banks and 6 regional banks in Korea, and 4 state-owned commercial banks and 11 stock commercial banks in China. The main objective of our research is to compare their efficiency, as well as the changes in efficiency periodically according to the types of the banks. According to the periodical analysis, both of the countries showed steady increase in efficiency. This shows that finance restructure and merging were positive factors for bank's efficiency during the revolution of finance structure. The study showed that between Korea and China, the bank of Korea has higher efficiency than that of China. Although the reconstruction period happened around the same time, due to the earlier acceleration period to opening Korea's financial market, made the difference in efficiency.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.4
• /
• pp.81-95
• /
• 2020

The main objective of this research is to investigate the impact of board size and board composition on financial performance of banks. The sample of this study consists on two countries listed bank sector Pakistan and China. The annul data is used from 2009-2018 to find the objective of this study. The Panel regression model is used to check the relationship between dependent and independent variables. Return on Asset and Return on Equity is used as performance checker dependent variables. The results of this study confirm board size coefficient value positive for ROA and negative for ROE but shows insignificant behavior for Pakistani banking sector while in Chinese banking sector the coefficient value of board size positively for ROA and ROE at 10% level. The board composition coefficient shows the negatively significant with ROA but insignificantly related to ROE for Pakistani banking sector. However, in Chinese banking sector the coefficient value of board composition is insignificant for both ROA and ROE. This study is helpful for banks, management of banks, policy makers, researcher as well as Government.

• Journal of Contemporary Eastern Asia
• /
• v.10 no.1
• /
• pp.55-71
• /
• 2011

China has been experiencing high economic growth along with massive change in its industrial structure. How will the industrial structure change affect the Chinese economy? Similar changes were observed by Japan, when the Japanese banking system fell into a structural failure in terms of the inability to respond to the paradigm shift from "catching up" to "frontier economy." This paper is undertaken to highlight the lessons that China can learn from Japan's prolonged financial slump. We point out that big cities in China have already shifted to frontier economy and major provinces are on the same trend. We argue that in spite of economic reform reshaping the Chinese banking system, the financing pattern of state owned commercial banks (SOCB) is not in line with the industrial change. The Chinese banking system should be overhauled or transformed to respond to the increasing uncertainty along with the paradigm shift. Otherwise, China may fall into the same dilemma that Japan had faced in its industrial structure change.

• International Area Studies Review
• /
• v.16 no.3
• /
• pp.135-155
• /
• 2012

The objective of this study was to empirically analyze how Chinese urban residents use mortgage loan in their purchase of houses. For the research purpose, 205 households were surveyed on use of housing finance in Beijing, using prepared questionnaires in advance. The survey result showed that 39.5% of the respondents used mortgage loan in their housing purchase in Beijing. Most of the mortgage loan users got their loans from four state-owned commercial banks. This implies that the government could effectively govern the housing market by managing qualifications and interest rates under the government control. The households who did not use mortgage loan raised the fund mostly from own capital and their parents' money. In general, it was found that the Chinese, besides mortgage loan from commercial banks, rarely depend on outside sources. The dichotomous logistic analysis by logit model showed that socio-economic variables such as age, income, housing price and entry into the housing provident fund had significantly positive effects on the use of mortgage loan in the purchase of housing.

• International Area Studies Review
• /
• v.14 no.2
• /
• pp.159-180
• /
• 2010

The purpose of this study is to examine how perceived service quality, value congruence influences uncertainty avoidance, customer satisfaction and customer loyalty, and in turn, provides insight for Korean banks when they penetrate into the Chinese marketplace. In so doing, this study conducts a survey on participants who are using banking services in the Changchun, Jinan, Guangzhou of Jilin Province, Shandong Province and Guangdong Province. The findings are as followed. First, Uncertainty avoidance plays an important mediating role in the relationship between perceived service quality and customer satisfaction, between value congruence and customer satisfaction. Uncertainty avoidance has a direct effect on customer satisfaction, but is significantly negative. Second, value congruence has a direct effect on uncertainty avoidance, but is significantly negative. Third, customer satisfaction has a direct effect on attitudinal loyalty and behavioral loyalty.

• International Area Studies Review
• /
• v.18 no.3
• /
• pp.147-173
• /
• 2014

The economic growth of China, an average of 9% as an external performance, has caused lots of side effects in the country. The social issues such as income gap, especially the wide gap between the rich and poor, and regional divide are the main cause of concerns that China's economic growth is not sustainable. It prompted the Chinese government to realize that institutional regulations on CSR are not optional but required to promote the sustainable development of corporations. In 2006, CSR was addressed for the first time in China, as the government established the November 5 Plan and revised "Company Law". The government garnered social attention by introducing CSR for the first time in November 5 Plan. Also, the government established December 5 Plan in 2011 to set a key goal as 'sustainable development' and reflect concrete measures for CSR in its corporate policy. In particular, Commercial Bank has a social responsibility to establish more concrete, forceful regulations than those of general corporations, as a financial intermediary. Thus, this study is aimed at exploring how the social responsibility of Commercial Bank is reflected in the Banking Act, the issues, and legislative directions on the social responsibility of Commercial Bank in China.

• International Commerce and Information Review
• /
• v.15 no.2
• /
• pp.25-47
• /
• 2013

In China, the commercial bank credit financing is the most important external financing channel for SMEs. However, the lack of credit guarantee significantly deters commercial banks to finance SMEs. which may generate a negative impact on the trade activities of SME in China. In this paper we examine the risk of credit guarantee for SMEs financing and the factors affecting this risk through a VAR (Value-at-Risk) model. Our analysis shows that the scale of enterprises' impact on the VAR (risk of financing guarantee) is not much relevant. We also find that the certainty of financing for SMEs, such as the fixed asset ratio, has a significant and negative effect on the VAR of Chinese credit guarantee institutions. The product uniqueness is positively correlated with the VAR, and operation risk is also positively related to the credit risk of Chinese credit guarantee institutions.

• Asia-Pacific Journal of Business
• /
• v.1 no.2
• /
• pp.83-106
• /
• 2010

The purpose of this study is to examine how perceived service quality influences perceived uncertainty, customer satisfaction, relation quality and loyalty, and in turn, provides insight for Korean banks when they penetrate into the Chinese marketplace. The findings are as followed. First, Perceived uncertainty has an important mediating role in the relation between perceived service quality and customer satisfaction. Second, perceived service quality has a direct effect on customer satisfaction, customer satisfaction has an important mediating role in the relationship between perceived service quality and relationship quality. Third, perceived uncertainty has a direct effect on customer satisfaction, but is significantly negative. Customer satisfaction has an important mediating role in the relationship between perceived uncertainty and relationship quality. Fourth, relationship quality has a direct effect on attitudinal loyalty and behavioral loyalty.

• Journal of the Korean association of regional geographers
• /
• v.5 no.2
• /
• pp.47-117
• /
• 1999

This study concern with the pattern of Pusan Station shopping district within Pusan City, Korea, one of the special functioned shopping district within Pusan City. This paper will serve as a part of series studies which attempt to clarify the internal structure of Pusan as a whole. Part(II) of this study deals with the functions including living related, restaurants and others. The pattern of floors, size of shops, street corners and widths of streets were also analysed. The results are as follows: 1. In terms of numbers of firms in living related function, Pusan Station shopping district is the $7{\sim}8th$ ranked central place among nine the highest centers within Pusan City. Pusan Station shopping district has not much promoted vertical spatial differentiation comparatively, and also it's intensity of land use is the lower among nine the highest centers. It is presented that intimate relationship between intensity of vertical land use and classes of central places within the city. The ratio of inns and hotels in Pusan Station shopping district is third ranked in Pusan City. And the size of inns and hotels in this area is the most largest among the nine highest ranked central places within Pusan City. These presented that the traditional characteristics of station area as a special functioned shopping district. Inns and hotels mainly located along the narrower and back street. And it forms agglomerated areas or 'an alley of inns' at the inner parts of blocks, some like a 'hidden flower'. In Korea, 'alley' means that an area of specialization gains the prestige, traditionally. 2. Restaurants mainly locate along the narrower and back streets. And agglomerated areas of restaurants coincide with the agglomerated area of drinking places. It shows that these two kinds of functions need the same locational conditions. The ratio of Chinese restaurants is the highest in the Pusan Station shopping district. It's due to the agglomerated area these kinds of restaurants at the 'China town'. 3. Pusan Station shopping district has been formed along the streets within the residential areas. It's means that this shopping district now at the initial or middle growth era in development stage of shopping areas. 4. In general, wholesales and light manufacturing are located at peripheries within shopping district. But in Pusan Station shopping district, it dose not appear these spatial pattern. It shows that this area is lower ranked central place and not much progressed in spatial differentiation. 5. Particular firms which customers and workers have stayed more longer period of time are located at the far from the first floor. This vertical spatial differentiation is similar to the horizontal sequences. 6. Firms which have more ability of rental payment are located at street comers such as banks and pharmacies. In Pusan Station shopping district commercial facilities could not invade into the second third floors at narrower streets and first floor of back streets, still now.