Proceedings of the 2022 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022)

Does the Cross Regional Operation of City Commercial Banks Reduce the Bank's Risk-Taking

Authors
Hongmei Wen1, Bin Xia2, 2, *
1Institute of Finance, Harbin University of Commerce, Harbin, Heilongjiang, China
2Institute of Finance, Harbin University of Commerce, Harbin, Heilongjiang, China
*Corresponding author. Email: 1162720024@qq.com
Corresponding Author
Bin Xia
Available Online 29 December 2022.
DOI
10.2991/978-94-6463-056-5_88How to use a DOI?
Keywords
City Commercial Bank; Cross Regional Operation; Bank Risk-Taking
ABSTRACT

Based on the data of 67 commercial banks in China from 2010 to 2020, this paper studies the relationship between the geographical concentration of city commercial banks and their risk-taking level by establishing benchmark regression model and threshold regression model. The research finds that: first, there is a significant negative correlation between the geographical concentration of city commercial banks and their risk-taking level; Second, there is a significant threshold effect between the geographical concentration of city commercial banks and their risk-taking level; Third, as the degree of cross regional operation of city commercial banks increases, continuing to expand the geographical scope of operation will help them reduce the level of risk-taking, but this effect is not obvious.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2022 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022)
Series
Atlantis Highlights in Computer Sciences
Publication Date
29 December 2022
ISBN
978-94-6463-056-5
ISSN
2589-4900
DOI
10.2991/978-94-6463-056-5_88How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

TY  - CONF
AU  - Hongmei Wen
AU  - Bin Xia
PY  - 2022
DA  - 2022/12/29
TI  - Does the Cross Regional Operation of City Commercial Banks Reduce the Bank's Risk-Taking
BT  - Proceedings of the 2022 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022)
PB  - Atlantis Press
SP  - 599
EP  - 607
SN  - 2589-4900
UR  - https://doi.org/10.2991/978-94-6463-056-5_88
DO  - 10.2991/978-94-6463-056-5_88
ID  - Wen2022
ER  -