Research On The Structure And Optimization Of Corporate Credit Business Of The Inner Mongolia Branch Of Industrial And Commercial Bank Of China

The essence of commercial banks is operating risk,which is manifested by credit business—the core business of commercial banks.As the economy of China has entered into a new phase,its development pattern has been shifting from high-speed development to high-quality development.National industrial policy has undergone significant changes.At the same time,due to the continuous expansion of financial disintermediation and the acceleration of interest rate liberalization across the country,previous credit strategies of commercial banks have become unable to adapt to the changes of the situation.All these require commercial banks to readjust their credit policies,make credit planning well and apply innovative ideas to adjust and optimize their credit structure rationally to prevent credit operation risks and enhance their core competitiveness.Research of the credit structure can theoretically provide decision basis for the optimizing of the industry structure,variety structure,income structure,term structure and regional structure of the credit business of commercial banks,which is of great significance to improve the liquidity,safety and profitability of the credit assets of commercial banks and achieve the sustainable development of credit business.As one of the most important commercial banks serving and supporting the development of the real economy of Inner Mongolia,Icbc Inner Mongolia branch in recent years has been facing many problems in developing the company’s business credit—the unsatisfactory development of the credit business,unreasonable credit structure,exposure of risks and the decline of trade competitiveness,which results from the fact that the top-level design ability,management ability,credit policy system,credit management responsibility and product innovation do not adapt to the stage of development,regional economic development and competition situation.Based on the existing theoretical studies,this thesis intends to summarize and analyze the business credit data of past three years of Icbc Inner Mongolia branch as an example.Case analysis and comparative analysis will be used as the main research methods.This thesis will analyze the cause of problems in the industry structure,variety structure,income structure,term structure and regional structure,aiming to give suggestions such as setting up new credit management ideas,improving theconsciousness of balanced management of existing loan and increment loan,consummating the top-level design and credit distribution.