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Deposit Insurance, Bank Competition, and Corporate Lending in China: A Loan-level Analysis

delete2026-05-01
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Qian Chen
X
Xinyu Zhan *
DOI:10.1016/j.ribaf.2026.103456delete
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Abstract

Abstract

En 中文
• Corporate lending increased and its interest rates decreased after China established its deposit insurance in 2015. • Deposit insurance increases the availability of corporate lending through the underlying channel of stronger bank competition. • The relationship between deposit insurance and corporate lending is more pronounced in non-state-owned enterprises, medium- and long-term loans and secured loans.
Keywords:
Deposit insurance
Bank competition
Corporate lending
China
Loan-level analysis

Journal

Research in International Business and Finance cover
Research in International Business and Finance
IF:
6.9
Papers:
2.7K
Citations:
1.0W

Organization

No organization information available
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