Research On Select Credit Object Of State-owned Commercial Bank

Select credit object is both a macro- issue, which is a part of a country's economic policy, a mean and contest of macro-control and a micro-issue which belongs to commercial bank's micro-manage policy. Select credit object should be suitiable to the particular- period economy system and the bank system which is decided by the former. The contents, means and methods of select credit object are different according to different period. So select credit object should be studied at the background of the fixed economy and bank system. The author mainly researches the theory of the countermeasures of select credit object of the state-owned commercial bank at socialist market economy system and after China joining WTO in this article, and on the basis of which, the author also points out the state -owned commercial bank should perfect the current technical methods of select credit object.At the planned-economy system, the state-owned special bank puts, its load mainly in state- owned and collective enterprises whose independence of select credit object is weak. Select credit object seems unimportant which doesn't inspired the attention of the financial theorical circle either. The state-owned commercial bank allocates credit resources optimizely through financial credit market under socialist market economy condition. That select credit object being right or wrong has direct effect on the quality of credit assets and the ability of making profit. According to national treatment rule and market enter rule, the foreign capital bank in China and the home commercial bank compete for high quality credit clients on the same platform and select credit object becomes more important after Chinaenter into WTO. And with which as background, the author studies select credit object of state-owned commercial bank as follows: the principles, fundamental conditions and relations in socialist market economy, the countermeasures after China join WTO and perfection current technical methods...