The Adjustment Of Credit Structure Of Chinese Commercial Banks Under The New Economy

Currently, chinese economic development entered the new normal, the main feature is the economic growth reduced from the high speed to the medium-high economic growth, the the mode of development has changed from Scale speed into quality efficiency, and the momentum of economic development is from the main rely on resources and low-cost labor and other inputs to upgrade driver for innovation. Chinese economic development does not return to the original extensive mode of development, but through the comprehensively deepen reform to promote economic restructuring, adjusted the stock and optimize increment instead of increasing capacity blindly, and at the same time by improving the livelihood of the people and the environment protection and comprehensive treatment, forced industrial transformation and upgrading. Chinese economy is to form a more advanced, the division of labor more optimized, more reasonable structure and become more open to the outside the stage of evolution, but want to achieve such a wide and profound change is very difficult, and in this process, commercial banks in China also face enormous challenges and opportunities.Under the new economic norm, the demand slowdown in economic growth, and the world China decrease, and upgrade the industrial structure adjustment will make many enterprises to survive the difficulties, increasing credit risk, liquidity risk, market risk and exchange rate risk will increase the risk of non-performing assets, in recent years China commercial banks non-performing rate rising is the warning signal. At the same time Chinese will deepen financial system reform, establish and improve the multi-level capital market system, listed companies, state-owned enterprises and large quality enterprises by indirect financing of commercial banks was mainly transferred by direct financing, China commercial banks are losing the main traditional credit market; interest rate market to promote the commercial bank's net interest difference, industry competition and the new format of Internet financial challenges will enable the development of credit business of commercial banks is facing enormous difficulties. By analyzing the current situation of commercial bank credit structure Chinese, it exists industry and customer concentration is still high, the credit business is still in the company loans, the problem of product homogeneity and lack of innovation, so that commercial banks should be in accordancewith the laws of economic development and self development, develop the adjustment of credit structure and business development policy in terms of economic globalization, the establishment of long-term mechanism to dynamically adjust the credit structure, credit structure adjustment from the aspects of industry structure, customer structure, credit varieties, based on risk prevention, to maximize the commercial banking expertise, innovative financial products, to provide better and more financial services for customers and increase the profit of commercial banks, and give full play to the role of optimal allocation of resources, promote the development of economy and society Will progress.