Based On Bank Credit Risk Management-oriented Structural Adjustment

Commercial banks play a pivotal role in the mobilization of social savings, the promotion of savings to invest in transformation, support national economic development. Bank credit asset quality is not high, the credit structure is irrational, as well as the resulting credit risk is high constrained the development of China's financial industry prominent problems.In this study, the basic logic is to practice from the norm, the main case study is based on law, and the core problem is that from the perspective of risk control for the restructuring of bank credit analysis and found that between the inherent logic of structural adjustment for the provision of bank credit new ideas and the basis. In operation select one of China Construction Bank as an individual case to conduct a comprehensive and systematic analysis and research relevant to the subject of the credit rationing theory, risk control theory, extracted from the guidance of research work carried out by the general norms, and then used as a guide to case analysis practice, so that the conclusion of the study both a theoretical support, but also has some practical interoperability.The article is divided into four chapters, includes:ChapterⅠ, Introduction. The presentation of a study of the background, purpose and meaning, method and logic, the core issue.ChapterⅡ, Analysis of the banking industry and the status quo, credit environment, credit management system, as well as the credit structure the one of China Construction Bank discussed.ChapterⅢ, based on risk management of bank credit-oriented structural adjustment. The bank discussed combined credit status, to the bank credit structural adjustment programs, including the adjustment of the basic ideas, strategies and specific implementation of the improvement and enhancement.ChapterⅣ, the conclusion of the study and enlightenment..