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近年来,在国际化、全球化、网络化等无国界趋势下,银行业面临前所未有的竞争压力。Acharya et al.(2008)实证发现系统性风险会影响信息的蔓延程度,而资讯蔓延有可能会诱使某些银行为了利润最大化而选择群聚行为。因此,银行为降低借款成本会倾向产生群聚行为。1980年后期日本资产泡沫经济的主要诱因是日本银行对产业放款的群聚行为(Uchida and Nakagawa,2007;Nakagawa and Uchida,2011),由此产生许多品质不良的逾期资产,造成房市供
In recent years, under the trend of internationalization, globalization and networking, the banking industry is facing unprecedented competitive pressure. Acharya et al. (2008) found that systemic risk affects the spread of information and that the spread of information may induce some banks to choose to group for profit maximization. As a result, banks tend to agglomerate to reduce borrowing costs. The main cause of the Japanese asset bubble economy in the late 1980s was the agglomeration of Japanese banks on industrial lending (Uchida and Nakagawa, 2007; Nakagawa and Uchida, 2011), resulting in a number of poorly quality overdue assets that caused housing supply