The Creation And Study Of The Optimation Administration Of The Credit Structure Of The QingYang Branch Of China Construction Bank

The commercial bank is a component part in the financial system of a country or a district,which its operation state and ability of competition can directly influence disposing effciency of our society surplus funds.At present, the interest revenue is still the main revenue resource of the commercial bank in our country.For this reason,depending on the credit captical of the high quality for improving operation benefit is a unavoidable real choice of the commercial bank.However,the economic benefit of launching fund target can also have a deciscive influence on the principal and interest earning of the bank fund.Therefore,the diposing condition of the credit fund,namely,to the certain extent,the credit structure can decide the quality level of the credit capital and is a key factor of the operation efficiency of a bank.The document demonstrates and analyses some problems existing years on the credit strucrue of the Qing Yang branch of the China Cnstruction Bank,which including the single credit structure; the credit resources over-centralize some certain clients,industry and field, as a result, which gives rise to lose balance in some parts of the credit structure; the small and medium enterprise, the private enterprise or other agricultural enterprise all have the fund demanding.In addition, the individual are difficult to ask for a bank loan and also, the fixed number of the nonperfoming loans is huge.Not only inside the system but also in the same local industry, both of them are in a certain condition of the unreasonable phenomenon. With Changing the earning methods of the fund stocking of the credit nonperforming asset and the administration creation measures of expanding the credit kinds, we have effectively altered the unreasonable credit structure of the Qing Yang branch of the China Construction Bank,which not merely solve the apprehensions of the large state-owned banks about the loans lauching of the agriculture-rural areas-peasantry,but the local commercial banks can also help the local economic society better and provide useful refferences and ways.