商业银行信贷行为，就是银行在一定的制度框架下，基于所掌握的信息，为达成某种经济或政治目标，在与企业进行的一系列信贷交易活动中所表现出来的行为。
The commercial bank's loaning behavior is the reactions to the environments of the credit.
信贷行为是商业银行在进行信贷业务过程中发生的反应。
参考来源 - 国有商业银行信贷行为与激励机制研究In Part one, based on modern theory of financial intermediary, the thesis examines the effects of taxation on the means of finance, and analyses how the tax system influences bank’s loan behavior.
理论部分，本文在现代金融中介理论的基础上，考察税收对融资方式选择的影响，并分析税收体系如何影响银行信贷行为。
参考来源 - 中国银行业税收效应与制度分析·2,447,543篇论文数据，部分数据来源于NoteExpress
研究结果表明，营业税的开征会影响商业银行最优贷款发放量，对银行信贷行为具有扭曲作用；
The result shows that, a business tax affects the optimal loan of commercial banks, and distorts banks' behavior, however, enterprise income tax has not such effects.
不过对于那些拥有英美式金融体系的国家来说，这种下滑会更加严重，因为他们的信贷行为更加具有顺周期的性质。
But such downturns are more severe in countries with the Anglo-Saxon sort of financial system, because their lending is more procyclical.
为了深入探讨不同资本充足程度的商业银行在银行信贷传导中的信贷行为及三种银行体系下的银行信贷传导效果。
To further explore the different credit behavior of Banks of different capital adequacy ratio on bank credit conduction and the bank credit conduction effect in these three bank system.
应用推荐