Research On Credit Structure Optimization Of Commercial Banks Under The Reform Of Supply-side Structure

The "13th Five-Year Plan" pointed out that the long-term structure of China's economic development is becoming more and more unreasonable,the effective demand is weak and the effective supply is deficient.The structural contradictions are more prominent,the traditional comparative advantage is weakened,the innovation ability is not strong,financial risk increased,some industries overcapacity serious,inventory is too high,corporate benefit decline,the debt level continued to rise,and the imbalance of total social supply and demand inhibit the economic growth.In order to make the economic growth above the growing level of production potential,it is necessary to carry out structural reforms on the supply side,to adapt and lead the development of China's economy to a period of new normal.Under this background,this paper research the commercial banks optimization problem of credit structure from the perspective of supply-side structural reform,commercial banks as one of the pillars of the economy,also the main financial supply side of society,which should optimize their own credit structure to adapt to development supply-side structural reform,increase the effective supply,reduce the inefficient supply,carry out the reasonable allocation of credit resources.This paper adopts the literature research method to form a knowledge system about the credit structure of the commercial banks and the supply side structural reform in the first place.The supply side structural reform brings great challenges to the credit structure,business philosophy and business model to the commercial banks in China.But also bring opportunities,the state in meantime of the economic restructuring,vigorously supports the development of the consumption,new industries,and the service industries,through the policies of ‘the Belt and Road Initiative' and urbanization to digest the capacity,commercial banks can take this opportunity to vigorously develop consumer finance,new industries,and services industries,and gradually reduce the loans of traditional industries,increase the proportion of investment assets,improve asset allocation efficiency,reduce the risks in economic environment changes and improve operating income.In addition to learn from the experience of commercial banks in Western countries,but also combined with China's economic and development needs to carry out the credit structural adjustment.Then,by using the method of theoretical and empirical analysis,and collecting the credit data of ten representative commercial banks in China for nearly ten years,using the performance evaluation index system of PAIFI financial enterprise issued by China's Ministry of Finance,the paper makes a model to analyze the impact size of each factors.Finally,according to the development requirements of the supply-side structural reform and the conclusion of the data model,it is concluded that the optimization of the credit structure of commercial banks in China should be adjusted from the following aspects: through the disposal bad claim of excess capacity enterprises,the traditional industry asset securitization and other measures to revitalize Bank assets,reduce the internal risk of the bank;put the assets to the policy-oriented "13th Five-Year Plan" to support the emerging industries,services and other industries,in the environment of supply-side of the structural reform,increase the proportion of new industry loans,Consumer finance and other measures to optimize the bank incremental assets;In addition,under the pressure of economic downturn,the commercial bank's business philosophy should also be "supply side" change,reduce the banks risks of bad claim,improve the competitiveness of commercial banks,and effectively promote the adjustment and optimization of China's economic structure.The basic framework:(1)the first part introduces the research background and significance,relevant literature review,the research ideas research at home and abroad,research methods and possible innovations.;(2)the brief introduction of existing credit structure theory(3)elaborate the background significance of the supply side structural reform and the opportunities and challenges faced by the commercial banks under its reform;(4)combined with the actual situation and data,analysis of China's commercial bank credit structure of the status quo and problems;(5)Using the latest data,build the model,to analyze the various factors impact in the credit structure to the bank operating efficiency;(6)In view of the above conclusions,the author gives the ways and measures to optimize the credit structure of commercial banks under the supply side structure reform.