The Research On Credit Concentration Commercial Banks In China Under Multidimensional Angles

The direction of Commercial bank credit has a very important influence in the economic structure. The global financial crisis since 2008, China implemented a loose monetary policy to ensure stable domestic economy, sustainable development. In this context, the commercial bank of China rapid expansion their credit, the flow of funds become the focus of attention once again. At present, due to credit concentration, making excess capacity in some industries and some industries lack of financial support, and large enterprise is awash in liquidity and SME financing difficulties such phenomena exist, leading to some advantages over the industry, while more and more weak links . This will exacerbate the imbalance of economic structure; seriously affect the development of national economy. Therefore, the issue of concentration of credit concentration must be resolved。In the complex economic environment. This paper, done study on credit concentration at customers, industry, regional and three cross-cutting and many other dimensions .First, from the basis of credit concentration in theory, introduced the concept of credit concentration and analysis involved in several theories. Secondly, degree commercial bank credit concentration, use commercial bank credit concentration, the Herfindahl - Hirschman index as vital measurement, and analyze causes. Finally, based on theoretical and practical study, optimum design the risk of credit and gives relevant strategies to prevent risks. It is of great significance, for fully understand the credit concentration in loose monetary policy environment, to prevent the rise arising credit concentration and To insure macroeconomic in good development.