Analysis Of Credit Structure Of Some Bank In Haicheng

Credit structure refers to the configuration and the ratio of embarking and application of credit funds in different areas, industries and terms. A reasonable credit structure not only plays an important role in risk aversion of banks and operational efficiency, but also has a strong influence on stable operation of banking, the coordinated development of the national policy for the implementation of the credit and economic. Therefore, it has great realistic significance to strengthen the analysis of credit structure of the banking system, find out unreasonable aspects of bank credit structure. It is practical significant to put forward countermeasures to optimize the credit structure.This essay takes a bank credit structure of HaiCheng as analysis object. Firstly, through the analysis of credit structure of some bank in HaiCheng, the status quo of the credit structure of the bank can be analyzed. Secondly, it can evaluate whether there is unreasonable aspects of the bank credit structure through the rational evaluation of the credit structure of the bank by Liquidity gap equation, Herfindahl-Hirschman Index, etc. Finally, the unreasonable causes of its credit structure can be known based on the present credit structure of the bank and the present state of the economy. By doing so, it can offer references for the system of city commercial banks and provincial commercial banks to improve the level of credit risk control.This article takes management of banks as target which offers better ways to solve the problems existing in the management process of banks and provides reaction in real life. The ability of risk control and operation of banks can be better improved combined with the current launch of monetary policy. This essay presents very specific and perfect analysis of unreasonable causes of credit structure and gives practical measures which can give the clear and practical guidance to banks. But this article still exists shortcomings due to lack of theoretical research and the limitation of statistics.