Capital Supervision and Commercial Bank´s Credit Behaviour Choice

This paper creates a preference index of credit behavior to describe the behavior preference and the risk preference of banks, introduces the implementation and loosening of capital requirements into calculation model, conducts an empirical test by making use of 522 data sample points of 29 banks in the China from 2002 to 2006. It gets the conclusions that the more rigorous capital requirements will result in the greater credit structure adjustment, the steadier business and the lower risks, and the looser capital requirements will result in the more active capital structure of commercial banks and the higher business risks.