Study On The Influence Of Loan Concentration Degree On The Risk-bearing Ability Of Listed Banks

With the high quality of China's economy development,constantly promote interest rate liberalization,access to private capital to relax,pratt&whitney financial fast development,the increasingly fierce competition between Banks,its high non-performing assets,at the same time,private Banks and financial factors such as the Internet all the impact on Banks' profits,all aspects of internal and external environment of our country commercial bank risk exposure increases gradually.Therefore,it is of vital significance to discuss the risk bearing capacity of banking financial institutions,especially listed Banks,and its influencing factors for the prevention of systemic financial risks in China.At the same time,the commercial bank credit funds focused on the hot industry,high-quality customers increasingly obvious and the trend of the coastal developed areas,so now the listed bank loan concentration degree is high and low,the loan will focus on the influence of listed Banks risk bearing ability,whether the influence of different risk bearing ability of the bank is different,and how to treat the effects of listed Banks loan concentration,because of this,this paper,based on the perspective of commercial bank loan concentration,study its relationship with the risk bearing capacity.This paper first defines the relevant connotations of bank loan concentration and risk bearing capacity,then analyzes the external and internal factors affecting bank risk bearing capacity,and analyzes the impact mechanism on the risk bearing capacity of listed Banks from the perspectives of loan industry,region,customer and term concentration.Second selection about the fender exposure ratio method and index method,measure of industry concentration,region,customer and time limit,as a result,the measure of the combination of further analysis of the current situation of the listed bank loan concentration,found that the listed bank loans to countries such as pillar industry in the industry to focus on manufacturing,on the region focused on the more developed cities,such as the east coast customers to focus on key and other large state-owned enterprises,duration to focus on the medium and long-term loans of more than one year.Then listed bank loan concentration based on its mechanism of action of risk bearing ability,build a benchmark return random effects model,it is concluded that industry concentration,customer concentration and time limit the increase of the concentration of listed Banks risk bearing ability of ascension on the positive influence,the increase of the concentration and area of listed Banks risk bearing ability of ascension on the negative impact.By comparing the absolute value of regression estimation coefficient of loan concentration,it is found that the industry concentration of listed Banks has a greater impact on their risk bearing capacity than the region,customers and term concentration,among which the term concentration has the smallest impact on the risk bearing capacity of Banks.On this basis,the panel quantile regression method is further used to analyze the influence of loan concentration on Banks with different risk bearing capacities in detail,and the heterogeneity of the influence of regional concentration and term concentration on listed Banks with different risk bearing capacities can be concluded.Specifically,with the improvement of risk bearing capacity of listed Banks,the negative influence of regional concentration on them is gradually weakened,and the positive influence of term concentration on them is also gradually weakened.In addition,the influence of industry concentration and customer concentration on the risk bearing capacity of listed Banks at 50%and 70%points is different from that of the benchmark regression,but the influence on the listed Banks with low risk bearing capacity is not significant.Can begin from the following aspects,therefore,enhance the risk bearing ability of listed commercial Banks:first,the traditional pillar industry to maintain a certain,on the basis of credit scale,strengthen the cooperation with emerging industry outstanding enterprises,the moderate concentration of the loan in the growth of industry,in order to achieve higher future return on investment;Second,increase credit to the central and western regions and other economically underdeveloped regions,and introduce strategic investors,so as to reduce the intervention of local governments in the operation and operation of urban commercial Banks,and promote their own trans-regional operation and development process;Third,while maintaining good cooperative relations with existing key and advantageous enterprises,expand customer resources to explore other high-quality customers.In addition,differentiated credit policies should be formulated and implemented for customers with different credit ratings and credit lines.Fourth,the company should appropriately tilt its credit resources to short-term loans,reasonably determine the loan term according to the characteristics of customers and industry production cycle,and try to securitize part of medium and long term loans that can generate stable cash flow to optimize the loan term structure.