Based On With Melting Of Zhanjiang A Mode Of Commercial Bank Credit Innovation Research

With the rapid economic development of Zhanjiang, the business of A Commercial Bank of Zhanjiang has grown by leaps and bounds in recent years. However, at present, the state’s financial regulatory policies are tending strictly, monetary policy is fluctuating and interbank competition is enhancing. Under these various changes of the external environment, A Commercial Bank is facing many problems, such as the traditional credit growth is insufficient, and the effect of new credit model is not significant because of a preliminary test. Therefore, how to improve the business efficiency of A Commercial Bank is an urgent question. The following problems which A Commercial Bank must be solved in the future development, including promoting the sustainable development of assets operation by means of transformation, innovating credit model, optimizing credit structure, and exploring new risk management system and credit marketing system.Based on the combination of industrial capital and financial capital, this paper analyses the current credit model and evaluation system of A Commercial Bank of Zhanjiang by using credit theory and financial-industrial combination theory. Then, from thinking and concept level, it innovate its credit model applying comparative analysis and other methods. The paper put forward three new kinds of credit models, investing industry directly model, credit innovation model and debt-to-equity model. Meanwhile, it uses A Commercial Bank of Zhanjiang as empirical analysis, proposes corresponding security measures to new credit models, including the improvement of risk management mechanism, the control of the negative impact of financial-industrial combination to credit model, the optimization of the structure of bank assets and liabilities, as well as strengthening operation talents and team construction. These measures will contribute to make up the defects and shortcomings of the traditional credit model in the information asymmetry and risk control, enhance the level of comprehensive service of the commercial bank.