Research On The Credit Business Adjustment Strategy Of G Commercial Bank Lincang Branch

As one of the most important components of all transactions in commercial banks now,loan transaction is not only the main source of profits,but also the base of other business operations.The release of the credit funds plays a critical role in adjusting social capitals,promoting resource allocation,gaining competitive advantage,enhancing economic performance and accelerating development of social economy.Meanwhile,the structure of credit and loan directly demonstrates the management orientation and development strategies of commercial banks.And as the main financing method,indirect financing in the credit and loan market plays leading role in allocating monetary fund in China.And loan alone consists almost 90%of banking profits.At present,through the transformation of credit and loan to improve the economic performance count on high quality credit and loan assets is still the most effective way to increase the income for commercial banks.While,the traditional business model of margin interest income on high capital is hard to adapt to the changing market in facing of increasingly drastic market competition,complex economical and financial situation,ever stricter regulations,The credit and loan transactions among the domestic commercial banks is up against many uncertain factors,such as no awareness of improving loan structure,just applying single loan structure,high loan centralization,low level of interest policies,irrational structure of profits,slow development of specific high-profit credit products,loan with potential risks,large amounts of loan in unsecured lending,less product innovation and unit application,etc.There exist phenomena like large scale of loan,long time of loan,loan centralization,etc.in the market.As mentioned above,the unbalanced structures of credit and loan are difficult to meet commercial banks' demands for safety,fluency and profitability,which also increase pressure on credit and loan management.How to conduct the transformation of credit and loan,improve loan structure and ensure the quality of loan assets so as to realize sustain development of credit and loan business right now has already become the top priority of commercial banks.This paper will take the Lincang Branch of G Commercial Bank in the southwest of China as an example and base on the planning of Lincang's economical and financial environment,to analyze the current situation of the bank's loan and find out problems existing in it through methods consisted of quantitative analysis,investigation and analysis of SWOT.Through the research,the paper will find strategies which are suitable for the bank's credit and loan transformation,structural adjustment and real-time development.Meanwhile,this paper will play a certain reference role on sustainably healthy development,maintaining and expanding market share,enhancing competitiveness,improving bank's economical and social effectiveness to branches of G Commercial Bank in the less developed areas.That's where this paper will find it's position.