Industrial And Commercial Bank Of China Leshan Branch Broaden The Business Of Corporate Credit Growth Path

This paper is about the commercial banks on how to expand the growth channels of the credit business. The object of the paper is the Industrial commercial bank of China,Leshan Branch(ICBC,Leshan Branch). The target of study is the company credit business. This article takes the case study method to study the specific object. With the full investigation and detailed data being available, the paper analyzes the phenomenon and logic supplement to achieve the understanding of the essence of things for the purpose of revealing the internal law.The paper can be divided as the bellow:The first chapter is the background and significance of the issue. Firstly, it takes the reason to study the growth of commercial banks to expand the channels of credit business as the background of proposed research. The results of the research show that the credit business is also the most important business and the source of profits in the commercial banks. Secondly, it illustrates the study significance. The results of the research show that the company credit business of the ICBC,Leshan Branch is behind the national,provincial system and the competitor in market, and also contributes to the negative profit. The last part is the literature review which showes the study about the domestic and foreign country.The second chapter is about the factor of the growth of ICBC, Leshan Branch to expand the channels of credit business. To begin with it describes the overall situation of the ICBC and ICBC, Leshan Branch. Second, it describes the overall situation of the credit business of ICBC. The last is the most part of this chapter. As the ICBC taking a corporate management model, the subordinate units must follow the arrangements for higher unit. Generally speaking, as a state capital dominated by large financial groups, there are many factors to affect the growth of ICBC, for example, Domestic and international political and economic, the vision, provision of board of directors, and so on. However, this paper has taken an innovative approach, as describing the workflow of the credit business for distinguishing between the roles and responsibilities of different units, it can get the factor of the growth of ICBC, Leshan Branch to expand the channels of credit business. Finally, the anther claims have the concludes that, the factor of the growth of ICBC, Leshan Branch to expand the channels of credit business is to make loans to meet the head office of the industrial credit policy.Based on the chapter 2, the paper describes the industrial credit policy in chapter 3. Firstly, it defines the industrial credit policy of ICBC. The industrial credit policy is very important to the credit business as for general document. Secondly, it describes the significance of the industrial credit policy. Thirdly, it illustrates the features of the industrial credit policy to make the reader to understand the further. Fourthly, it claims that the affection to the credit business of the industrial credit policy. Finally, it makes the normative analysis of the impact about how should develop the credit business based on the industrial credit policy.The fourth chapter is about the overall situation and the industrial economy of the Leshan city. In the economic terms, it describes the city's economic base, natural resources, regional characteristics respectively. In the industrial terms, it analyzes and discusses the primary industry, secondary industry, tertiary industry of the Leshan city.Based on the industrial economy of the Leshan city and the industrial credit policy of the ICBC, it can analyze the correlation of these two. So the chapter 5 mainly describes the affection of the industrial economy of the Leshan to the credit business of the ICBC,Leshan branch. First of all, it describes the overviews of the credit business, ICBC, Leshan branch. Especially it analyzes the structure of loans, such as industry structure, regional structure. Secondly, it analyzes the affection of industrial economy of the Leshan to the credit business of the ICBC, Leshan branch. It has showed that the effect is not beneficial through discussing the industrial structure, existing loans of ICBC, Leshan branch, market competition And the empirical analysis of "668"corporates.The sixth chapter is the paper's conclusion that the way about the growth of ICBC, Leshan branch to expand the channels of credit business. To begin with it describes the future situation of industrial economy of the Leshan city. Secondly it analyzes the favorable conditions about the ICBC, Leshan branch's credit business. Thirdly it analyzes the strategy of the growth of ICBC, Leshan branch which to expanding the channels of credit business.Through the research, the paper shows the following point of view. The first is that the branch which makes loans meet the head office of the industrial credit policy. The second idea is that industrial economy of the Leshan is not beneficial for credit business of ICBC, Leshan branch. Based on the Leshan's economic situation in future, the third is that the ICBC, Leshan branch can develop credit business well.This paper claims that, ICBC, Leshan branch should develop the credit business in which hydropower projects, "billions of traffic" projects, real estate projects and the advantages processing enterprises.