Research On Credit Structure Optimization Of The A Branch

At present,China is still in the period of shifting the growth rate of economic development,constantly optimizing the economic structure and upgrading the old driving forces,but many problems are increasingly prominent,excessive consumption of resources,overcapacity in some industries,the structural contradiction is sticking out,innovation needs to be improved,the development of real economy faces challenges,the supply does not match the demand in structure,these factors hinder the healthy development of the economy.With the deepening of supply-side structural reform,fostering new drivers of economic growth,these can jointly promote industrial transformation and upgrading,and lay the foundation for high-quality development.In the process of China's economic structural refonn,the banking industry faces huge challenges and opportunities,especially in promoting the continuous optimization and upgrading of the credit structure of the banking industry from the aspects of customer structure,credit fund concentration,risk management and so on.This article chooses the first-tier branches of a state-owned Bank as research sample,that is the A branch of Guangxi province,and includes five parts related to the credit structure situation of the A branch.On the basis of summarizing the research status at home and abroad,the first two parts of this paper build a theoretical framework related to credit structure,laying a theoretical foundation for the following analysis of the status quo and problems of credit structure.The third part uses the empirical analysis on credit scale,the distribution of industries,customer structure,term structure and regional distribution,and then combined with the national economic structure development path and the credit structure optimization theory,systematically analyzes the problems of the A branch in the credit structure and the main reasons of the problems.Finally,combining with the province's regional economic development,the article puts forward the strategies that optimize credit structure from five respects,adjusting national industrial structure,strengthening infrastructure construction,expanding Inclusive Financial system,giving priority to the development of consumer credit,and actively developing strategic emerging industries,and then discusses the specific measures to improve the management benefit and optimize the allocation of resources.