The Research On The Optimization Strategy Of Credit Structure Adjustment Of B Branch Of Bank A

In China, the commercial banks is one of the most important part of the financial industry, has an extremely important role in the national economy, its development and competitiveness is directly related to the growth and development of the national economy. Currently, the credit business bank the main source of profit, and the most important business activities, play credit, has a pivotal role to gain a competitive advantage in the international competition for China’s commercial banks, as well as the healthy operation of the economy as a whole plays significant role in promoting. However, the credit risk is also a major risk of commercial banks, credit risk and is closely related to the structure of credit assets. Credit businesses have the distribution of credit resources, and there is credit allocation of resources, it will definitely need a reasonably efficient credit structure to avoid credit risk. Since2008, in order to cope with the international financial crisis, the Chinese government has taken a policy of investment-led commercial banks to carry a huge amount of credit, the sharp increase in the scale of credit assets, the stock of assets and new assets mainly for infrastructure and real estate industry, leading to credit the structural imbalance commercial bank credit structure adjustment has been imminent, how to effectively achieve the exit of inefficient credit market, into efficient credit markets, in order to optimize the credit structure, to improve the level of profitability, the state-owned commercial banks have to face the problem.Directly under the B branch of the state-owned Bank A instance, empirical analysis of the bank in recent years, the size of credit substantial growth in loan income increased significantly, continuous occupy the status of the credit market leader in the region, but as the loan is too focused on some customers certain industries, certain areas of structural imbalance caused loan credit and other reasons, in2012the rise in non-performing loans momentum is gradually emerging, causing a series of problems. Elements of their total credit structure, customer structure, industry structure, term structure, quality, structure, acquisition, combined with the credit rationing theory, the risk-benefit, loan portfolio theory, qualitative analysis and quantitative analysis, empirical analysis with theoretical analysis combination of research methods, the problems in the credit structure of the system analysis A bank directly under the B Branch, then introduce the B Branch in the implementation process to optimize credit structure adjustment measures, and optimal adjustment strategy by branch B credit structure leads to commercial bank credit structure to adjust the goals and ideas, put forward reasonable and effective credit structure optimization strategy, and specific adjustment embodiment effect prediction, and point to an area with a workable credit assets structure adjustment strategy stressed the need to market behavior to guide credit entry and exit, to solve the problem of the existence of the credit structure that adjust the direction of the branch level credit structure.