Development Of Commercial Banks Of The Yanbian Region Impact On The Regional Economy

Commercial banks as a special commodity business of carrying on money, credit intermediaries, to pay an intermediary, credit creation and financial services to the four basic functions. Commercial banks to provide financial support through the enterprise and economic development plays an important role in regional economic development. Reform and opening up, especially since joining WTO, the Yanbian area commercial banks made a lot of development, focus on the development of the financial industry as the development and opening up the pilot area in Chang Ji eight pillar industries, still faces a good development environment and policy support in the future the development of the regional economy will continue to play an active role.This article first theoretical description of the basic functions of the commercial banks on economic development and the role of macroeconomic policy control. Narrative on the history and development of the commercial banks since the reform and opening up Yanbian region, analysis of development trends and current situation of commercial banking institutions in the Yanbian region since the accession to the WTO, and the Yanbian area’s total asset size of10commercial banks with bad loans rate, loan ratio, and asset-liability ratio of the various monitoring indicators were compared.Finally, the Yanbian region of the indicators of commercial banks with national and Jilin Province, the average level of contrast that Yanbian regional commercial banks deposit and lending poor continues to expand, continue to lower loan ratio, the high rate of non-performing loans, asset-liability ratio is too high concentration of loans through the high and profit margins low. That the Yanbian area commercial banks should further explore the quality customers to appropriately increase the size of credit; reduce government administrative intervention of local financial institutions to effectively play the role of government in order to reduce non-performing loans; vigorously develop the business and development of intermediary business and off-balance sheet financial products means to expand revenue sources, and efforts to achieve the diversification of the source of profits.