Our Country Commercial Bank Develops The Expense Credit Restriction Factor And The Countermeasure Analysis

This article main union commercial bank expends the credit operation work the practice, follows apply theory to reality the principle, systematically studied our country commercial bank to expend the credit development the history and the present situation, expended the credit development to our country commercial bank the restriction factor to carry on the thorough discussion and the analysis, has promulgated the question which in the expense credit operation development existed, and proposed the practical feasible countermeasure measure.In recent years, benefits from the reform and open policy and the market economy development, our country expends the credit development to be rapid, the scale unceasingly expands, expends the credit completely to loan the proportion unceasingly to enhance. The expense credit appears until now only seven, eight years time in our country, at present our country expended the credit still to be in the development the initial stage. With overseas compares, our country expense credit starts late, the beginning low, the market scale and the growth degree are low. Our country commercial bank expends the credit to have many imperfect places in the development process, has some problems and the restriction factor.Mainly displays in four aspects: 1 st, the demand factor, is received the domestic consumption demand which the level, the traditional ideas, the revenue and expenditure anticipated and so on the factor influence appears to be insufficient, causes the expense credit demand to drop; 2nd, supplies factor, because the service variety sole, reason and so on management pattern backwardness causes the commercial bank expends the credit supplies to be insufficient; 3rd, risk factor, because the interest rate policy, the social credit, the management management water equal factor causes the bank credit risk enlarges; 4th, the social environment factor, including individual credit system, the social security, the guarantee issurance system and so on the necessary system construction is not perfect and so on the aspect.In view of the expense credit operation development in question, the commercial bank should focus the profound change which finished to the WTO protection time brings, positively studies formulates individual money market competition should to the strategy, is clear about the expense credit operation developmental strategy, the science guidance expends, raises the credit supplies level, the rich service variety, speeds up the financial innovation the step, the optimized service flow, strengthens the internal management, establishes the effective drive restraint mechanism, cultivates the high quality, specialized customer manager the troop, consummates the expense credit risk management, enhances the modernized technology method the utilization level, establishes individual credit appraisal system, enhances the credit decision-making the scientific nature, sharpens the risk control, Unceasingly strengthens the market competition ability.