Research On Credit Asset Allocation Scheme Of The Commercial Bank Of LY Under The New Situation

Commercial bank asset allocation connotation includes broad sense and narrow sense,narrow sense of credit resources refers to the credit funds in the form of currency to provide lending behavior,and generalized asset allocation in addition to providing borrowing,including monetary form included in the form of currency to provide credit,such as exposure to the l/c and exposure acceptance business.Configuration of credit assets of commercial Banks,should be as the change of external environment and their own economic development stage and constantly adjust,from the central bank to loosen monetary policy began in 2014,the commercial Banks in the cycle of economic upward,established a set according to different industries and regions,products,price,customer configuration of the system,but as the economy turned down,and financial leasing companies,trust companies,financial institutions such as trade competition,high-quality assets has become a scarce resource,increasing the ratio of bad assets,the existing credit asset allocation scheme facing double pressure of profitability and increased risk.And small and medium-sized city commercial bank,as a financial market follower,the economic situation of anticipation ability is weak,existing asset allocation is not reasonable,lack of asset allocation plan for the future planning problems such as lack of innovation,products have the serious influence to the future development of the small and medium-sized city commercial Banks.Based on LY bank credit asset allocation of the empirical research,found that the existing industry distribution,unreasonable distribution of area,and there is no basis,lack of a single product structure,asset allocation plan,weak pricing power,support small micro enterprises fading and a series of problems,and these problems was also the most common problems of the small and medium-sized city commercial bank.This paper summarizes the analysis of the reasons for problems occurred in LY bank credit asset allocation,and financial institutions through the establishment of regional distribution model,trade data contrast,LY bank history data analysis,macro economic development trend analysis in a variety of ways,such as a variety of angles,put forward the current LY Banks in asset allocation problem or optimization scheme,discusses LY Banks in the credit resources co.,LTD.,under the background of economy downward,negative pressure,how to do various industries,regions,customer,varieties,period,such as multi-level effective combination,asset allocation in order to realize gains and to increase the ability to resist risks.And hope to put forward such as LY Banks of small and medium-sized city commercial Banks,in the interest rate marketization reform deepening,macroeconomic movements of "L" type,the bad assets remain under pressure,bank interest margins under the new situation,set up the reasonable configuration of credit assets structure concrete plans and measures.