China Commercial Bank Credit Structure Adjustment And Optimization Study

One important feature of the modern economy is that financial role is more and more prominent. In China, the bank is the best important part of the financial industry. Its role is very important. Today, the economy of China is developing as a very high speed. There are many factors for the development. One important factor of there is that the rapid growth of investment promoted the development of economy. The credit capital of the commercial bank is the most part in the investment. So, this is a very important problem if the credit structure is reasonable. That is a key factor about the economy of China develops continually, healthy, high-speed.After China's entry into the WTO, the gradual open-up of the financial industry and approaching of the end to protection of financial businesses have given a impetus to the commercial banks. At the same time, facing the competition of the foreign big banks, how to compete with them is a hang-up. Credit is the most important operation at the commercial banks in China. The interest of credit is the most part of income. So, the commercial banks should think how to gain the steady profit and to reduce the bad asset through the commercial banks' credit. So, this is a very important problem if the credit structure is reasonable. Restructuring Chinese commercial banks' credit structure is a key factor...