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Research On Adjustment Of The Credit Structure Of CCB Y Branch Under The Supply-side Reform Background

Posted on:2018-09-12Degree:MasterType:Thesis
Country:ChinaCandidate:F YiFull Text:PDF
GTID:2359330515493397Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Finance is the core of modern economy,commercial banks,as one of the main part of financial market,plays the role of capital regulation and resources allocation,and is the main front of national macro-control.At present,our country is actively promoting the reform of supply-side,begin with the supply side and optimize the allocation of resources,optimize the industrial structures,in order to realize the "three go one down one fill" goal.The promoting of Supply-side structural reform will promote the transformation of domestic commercial Banks,optimize the financial services environment of commercial Banks,it will also change the profit-making model of commercial Banks,increase the credit risk exposure stress of commercial banks,intensify competition of commercial banks,put forward higher requirements for product innovation and services upgrade of commercial Banks,especially for the credit business of commercial banks,it will influence the customer structure,credit orientation,product innovation,risk management,etc.This paper takes CCB Y branch as the research sample,analyze the total supply,industry distribution,customers,management of its credit business,to discovery the problems that exist in its credit structure,such as loan convergence is too high,credit resources is too concentrated in low-end manufacturing industry,credit default risk is enlarging,credit profitability becomes weaker,etc.From the perspective of assessment,post-lending management,the client's executive team to explore the main reasons of the formation of its existing credit structure,and combined with the supply-side reform background,analyzes the strengths and weaknesses,the opportunities and challenges in the current environment for its credit activities.Based on the three principles of commercial banks business operation,the principles of cooperating with national macro-control policy,complying with the industrial structure adjustment and industrial upgrading,the risks and benefits unifies principle,adapting to the regional economic differentiation,coordinating with the strategic transformation of the headquarters,this paper brings forward proposals and suggestions for the adjustment of the bank's credit structure.We hereby suggest the bank to adjust its credit structure from the following several aspects.First,to consolidate the traditional advantages,continue to increase support for major projects and the construction of infrastructure.Second,to improve the proportion of personal loans,keep pace with personal consumption upgrade trends.Third,to increase credit support for the small and micro enterprises.Fourth,to carry out the credits retry mechanism,positively dealing with credit risk.From improving the bank's risk management system,strengthening post-lending management,making full use of big data products for precision marketing,strengthening promotion of electronic-banking-end credit business,strengthening construction of the client's executives team,improving and implementing credit assessment mechanism,we make recommendations on the implementation of the adjusting strategies.
Keywords/Search Tags:Supply-side structural reform, credit structure adjustment, CCB Y branch, small and micro enterprises
PDF Full Text Request
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