The Research On The Influence Of Credit Industry Structure To Commercial Bank Management Performance In China

Credit structure is an important part of commercial bank credit assets, and its rationality has an important influence on the ability, of commercial Banks and the safety and stable operation of assets. Keeping a reasonable credit structure is the objective requirement of the operation and management of commercial banks, and it is also the necessary choice for commercial banks to improve the quality of bank credit asset, and to prevent the credit risk. In recent years, the commercial bank credit assets grow rapidly, and credit funds show an obvious tendency of converging into the real estate industry, manufacturing, and other heavy chemical industry. The large flow of bank credit funds has accelerated the overcapacity of those industries instead of solving their problems in development. And at the same time, the proportion of credit funds that banks put into emerging industry have long remained at a lower level, which leads to the imbalance of credit funds distribution and highlights the structural problems of credit industry, moreover, it goes against the credit management of commercial banks and threatens the bank performance. Thus, this thesis will explore credit structure and discuss its impact on bank performance from the perspective of business.This thesis defines credit industry structure and commercial bank performance, and elaborates the theoretical basis of credit industry structure, builds the connection between credit industry structure and commercial bank performance which based on the three theoretical basis. Moreover, this thesis summarizes the impact of credit industry structure on commercial bank performance. What’s more, further discuss the situation of credit structure and bank performance in recent years with sample data, defining varible quantity. The thesis builds panel model, and uses the fixed effect model to analyze the impact of the structure of the credit industry on the performance of commercial banks.The results show that different credit industry structure has exerted different influence on the performance of commercial banks, among which the industry of manufacturing, electricity, gas, real estate development and construction have significantly negative impact on the performance of commercial banks, while the industry of leasing and business services have significantly positive effects on the performance of commercial banks. Wholesale and retail sales, information service, and software industry have slightly positive effects on the performance of commercial banks, while the industry of transportation storage, mail business, water conservancy, public facilities management, and mining have slight negative effects.According to the research conclusions, this thesis put forward corresponding countermeasures and suggestions from the commercial bank management and adjustment of the credit structure of the industry. Banks should balance the credit industry structure to the "3 character" principle of management of; Then, paying attention to the development of emerging industries, strengthening the credit policy and industrial policy coordination; increaseing the modern service industry and SMEs credit support; building an effective credit portfolio; rational allocating of credit funds, in order to promote the industry to the capacity of and prevent credit risk.