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银行贷款往往因为趋同行为导致贷款集中现象,非理性的贷款过度集中不仅加大银行的风险,而且也会导致信贷资源的配置效率低下。本文选取2004至2011年我国32个省市的贷款数据和宏观经济数据作为研究对象,采用面板数据模型检验我国国2有商业银行、股份制商业银行、城市商业银行的贷款行为是否存在羊群效应,研究结果表明同类商业银行内部之间存在模仿行为,而不同类型商业银行之间更多的表现出竞争效应。
Bank lending tends to lead to the concentration of loans because of the convergence behavior. The excessive concentration of irrational loans not only increases the risk of banks, but also leads to the inefficient allocation of credit resources. This article selects the loan data and macroeconomic data of 32 provinces and cities in China from 2004 to 2011 as the research object and adopts the panel data model to test the existence of herding effect on the loan behavior of China’s 2 commercial banks, joint-stock commercial banks and city commercial banks, The result of the research shows that there is imitative behavior among the similar commercial banks, while the competition between different types of commercial banks is more.