BC Bank Chengdu-Chongqing Economic Zone Corporate Credit Investing Strategy Research

In recent years,the company credit policy has gradually become an important strategy for development of the company,credit business,credit plays the role of corporate strategy in axial bone bank every year or one stage in the development of credit business.It is the support of bank credit market development wind vane,is constrained line new credit risk control,is the design,optimization of credit structure,loan business is sustainable and healthy operation of the engine.Therefore,research on the development of credit strategy on core business development bank,it is very important to develop the credit business.This topic in Chengdu-Chongqing Economic Zone as an example,closer to the regional market perspective to analyze and research the bank credit to the strategy of regional investment strategy,credit,credit business development expectation banks can better fit the local economy development trend.The significance of this research,mainly the following aspects:A bank credit,market competition is becoming increasingly fierce,there are more close to the market development demand(the needs of economic development entities)and regional credit the government investment strategy as the bank credit resources guide,can more specifically identify the target customer groups,and give credit policies to support,marketing and business development,to seize the market;Two,according to the characteristics of local economic development and industry guidance,combined with the bank's own characteristics,regional credit analysis to strategy,improve the effective use of credit rate of resources,reduce the loan did not mention the use rate,improve the bank capital efficiency(not because of the traditional credit strategy make it rigidly uniform,big defects,leading to local relatively advantages of the enterprises or industries can not effectively extract with loans,formed a higher loan rate)did not mention;Study on characteristics of regional economic policy and industry characteristics to three,regional credit,the bank according to its characteristics,refinement of credit risk management measures,improve the efficiency of risk control,reduce credit risks,optimize credit structure;four,regional credit strategy research is different from the traditional credit orientation strategy,the risk control and support business development initiative concept,a trade he traditional investment strategy more targeted and maneuverability,can better promote and stimulate the management business development and actively implement the overall strategy of bank credit.