Research On Credit Business Expansion Of Bank Of Weifang

The bank indirect financing, as the main channel of financing forcapital demanders in China, which has been responsible for raising anddistributing funds for the economic construction for a long time, is animportant ligament of social reproduction in our country. Among thebanking business, credit business is the main and the most profitablebusiness, and accounts for some70%in the total bank assets. Trying ourbest to strengthen our country commercial bank credit businessdevelopment plays an important role in improving the banks’ earnings,firming financial environment and promoting economic development.Therefore, the study for the credit expansion of our country commercialbank is vital with its important theory value and practical significance.At present, our bank’s credit business is facing many difficulties.Firstly, our country’s economy is going through orderly from the policystimulus to independent growth, and the speed of investment growth isdeclining. The demand for credit of investment，which accounts for asignificant share in bank credit structure will weaken gradually, bankcredit may face the problem of insufficient effective demand in a longterm. Second, in order to prevent the economic oscillation and adjust theeconomic structure, the People’s Bank of China will regulate and controlthe total social financing. Within the scope of their duties, wealthmanagement products are failed to regulate and control by the monetary policy，with the People’s Bank of China can only to adjust the amount ofbank credit. Credit business in this situation will be affected inevitably.Finally, the development of the multi-level capital market and non-bankinstitutions will grow on the impact of assets and liabilities for banks. Thephenomenon of "disintermediation" for high quality customer will appearfurther, which will exacerbate the trend of credit disintermediation.Credit business, as city commercial banks’ most important assets, isan important breakthrough for improving its profitability, solving a seriesof existing problems. Bank of Weifang was founded in1997, has certainrepresentativeness in the city commercial banks. In this paper, based onthe research of the Bank of Weifang credit expansion, we’ll explore thepoints following. On the one hand the paper hope give the Bank ofWeifang credit business some reference for daily business decisions byanalyzing the macro environment, internal conditions and competitivepower systematically. On the other hand, the paper hope to point out thefeasible strategy by analyzing the strengths, weaknesses, opportunitiesand threats， that can be available for keeping pace with the times,creating demand, guiding demand, and realizing the dynamic update ofthe competitiveness for the credit and the largest profit with the mostadvanced technology, products and service to satisfy customers. Hope thisarticle can play a reference role for the Bank of Weifang.