A Research On Credit Business Development And Strategy Of Dezhou Bank

With the continued rapid economic growth in China， the country’s economicstructural adjustment， monetary and financial system reform speed， to the developmentof China’s banking sector has brought a favorable market environment and unprecedenteddevelopment opportunities， but at the same time， economic development is not at homeand abroad uncertainty also increases， domestic and international financial regulatoryreform accelerated， interest rate market promotion and intensification of financialdisintermediation coupled with the domestic commercial banks accurately judged themarket situation， determine the scientific development strategy put forward higherrequirements， our commercial banks in order to continue its strategic transformation，continued to build a diversified， integrated business layout， it must use its sizeadvantage， brand， product and technological innovation process advantages， accelerateproduct innovation， thus to find a suitable and sustainable self-Road development.Assets of commercial banks in China business structure has changed to some extent，showing a certain deposit ratio declined， but the proportion of the assets of the businesscredit business still accounts for more than60%， in the case of an increasingly complexand changing environment of business development Bank of reasonable credit control is avery important theoretical and practical significance for sustainable management of moderncommercial banks. This article from the domestic banking credit business development andinnovation in this perspective， the domestic and foreign commercial bank credit businessdevelopment status， trends， gaps and how to learn from the advanced experience ofother issues in-depth analysis， the formation of the theoretical basis of this article.Secondly， the analysis of the credit status of business operations of banks in Texas，Texas， the status of the bank’s credit runs made general description， including the mainbusiness indicators and credit structure analysis. Again， discusses Texas bank creditmanagement problems， dig a deep-seated causes of the current problems arise. For theseproblems， this paper presents proposals to strengthen credit management， creditmanagement hopes this paper some useful Exploration， capable of sustainabledevelopment in Texas bank credit operations to provide some ideas and help.