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Temporal and spatial heterogeneity of resource misallocation in Chinese banks and its influential factors

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  • Zhao, Wensha
  • Guo, Qingbin

Abstract

This study measures the degree of resource misallocation in Chinese banks and investigates its temporal and spatial variations. Our findings suggest that resource misallocation is prevalent in Chinese banks. The primary source of this misallocation is inter-regional disparities, but both regional imbalances and the misallocation of resources have decreased over time. Multiple factors contribute to the heterogeneity of resource misallocation within banks. While financial development, human capital, and ownership structures exacerbate the misallocation, fiscal decentralization, financial openness, industrial structure, and urbanization levels alleviate it. However, the intensity and direction of these effects differ across regions, leading to visible spatial disparities.

Suggested Citation

  • Zhao, Wensha & Guo, Qingbin, 2024. "Temporal and spatial heterogeneity of resource misallocation in Chinese banks and its influential factors," The North American Journal of Economics and Finance, Elsevier, vol. 74(C).
    • Handle: RePEc:eee:ecofin:v:74:y:2024:i:c:s1062940824001098
    DOI: 10.1016/j.najef.2024.102184
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    Keywords

    Bank resource; Resource misallocation; Temporal and spatial heterogeneity; China;
    All these keywords.

    JEL classification:

    • C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data; Spatio-temporal Models
    • C51 - Mathematical and Quantitative Methods - - Econometric Modeling - - - Model Construction and Estimation
    • D24 - Microeconomics - - Production and Organizations - - - Production; Cost; Capital; Capital, Total Factor, and Multifactor Productivity; Capacity
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R12 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Size and Spatial Distributions of Regional Economic Activity; Interregional Trade (economic geography)

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