| Through the analysis of the status quo of credit resources allocation of county-level rural commercial banks,and taking the specific practice of Guangfeng rural commercial Bank as an example,find out the rationality of Guangfeng rural commercial bank’s credit resource allocation and the direction and implementation path of business transformation,and promote high-quality development for Guangfeng rural commercial Bank.Adapting to increasingly fierce market competition and achieving sustainable development is of great significance.This paper attempts to analyze the impact of loan concentration on its operating efficiency by studying loan game theory and information asymmetry theory.Combining the credit resource allocation data and business performance data of Guangfeng rural commercial Bank in the past 10 years,this paper uses SPSS21.0 to empirically test these data.Analyze and find out the causal relationship between the two,and combine the empirical analysis conclusions to propose Guangfeng rural commercial bank credit resource allocation optimization suggestions and related safeguard measures.In this paper,when selecting specific assessment indicators,we strive to select some representative indicators under the premise of achieving data availability,so that we can get closer to the bank’s real business performance.Considering comprehensively,we mainly study the impact of various bank loan structures on their business performance from the two categories of profitability and security.The operating performance indicators used mainly include ROA,EVA,liquidity ratio,non-performing loan ratio and capital adequacy ratio.In addition,there are some relatively comprehensive indicators,such as EVA indicators,deposit-to-deposit ratio and Tobin’s q.Value,etc.The empirical analysis shows that the “term structure” has a positive impact on the bank’s efficiency.The “guarantee structure” has a positive impact on the bank’s efficiency,and the “loan concentration” has a negative impact on the bank’s efficiency.Combined with the results of empirical analysis,the paper proposes the optimization of credit allocation of Guangfeng rural commercial Bank from three aspects: credit term structure,credit guarantee structure and credit concentration.Among them,the optimization of Guangfeng rural commercial bank credit term structure proposed to optimize the credit industry concentration,establish a risk early warning mechanism for loan exit;optimize the Guangfeng rural commercial bank credit guarantee structure and propose to actively promote syndicated credit,and seize the opportunity of interest rate marketization to do loan pricing work;In optimizing the credit concentration of Guangfeng rural commercial Bank,it is proposed to optimize the concentration of credit areas and differentiate the credit policy.Finally,the article puts forward the guarantee mechanism for the optimal allocation of credit resources of Guangfeng rural commercial Bank from three aspects: cultural security,talent security and internal control guarantee. |
