Abstract
The overall objective of this study is to try and uncover to what extent the borrowing and lending pattern of Chinese urban credit cooperatives (UCCs) leads them to conform to the theoretical view of credit cooperatives and to what degree they are mainly characterized by elements which result from their regulatory environment and the status of China as an economy in transition. We provide evidence from a specially-commissioned survey on the characteristics and functioning of UCCs. Our statistical and econometric analysis points to the tentative conclusion that there are major regional differences in the performance of UCCs both in terms of the quality of loans granted and overall profitability. The latter is also influenced by the quality of the loans made, and this in turn is affected by the number of directors in the UCC and the extent to which the UCC grants loans to state-owned enterprises.
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