Research On The Industry Rationing Of Credit Funds Of PSBC Shaanxi Branch

After nearly a decade of rapid growth,China's economic growth has slowed in an orderly manner and has begun to enter a "new normal".This period can be said to be the most crucial turning point in China's economic development since the reform and opening up in the 1990 s.In terms of the overall environment,the continuous adjustment and reform of the economy will inevitably affect the future trend and history of China.In this environment,China's banking industry is facing great challenges,mainly manifested in the increasingly severe bank credit risk.Although the channel of enterprise financing has widened a lot,the indirect financing method of credit fund support from banks still occupies a large proportion,so how commercial banks face the economic environment to optimize the industry allocation of loan funds has become an important topic.In recent years,the credit business of the upstart PSBC Shaanxi Branch has developed rapidly,but in the face of downward economic pressure,the credit risk brought by the industry credit business can not be ignored.At present,due to the high concentration of credit capital industry rationing,the overall industry yield is reduced,and the liquidity of funds is weakened,potential industry risks are gradually emerging.Under such a realistic background,how to optimize the allocation of credit funds between various industries in PSBC Shaanxi Branch,guide the flow of funds to industries that are related to the national economy and people's livelihood,meet China's current supply-side reforms,meet industrial policies and economic benefits,in order to prevent and reduce credit risk.It has very important practical significance and policy significance.In this paper,PSBC Shaanxi Branch is used as the research object.Through reading and combing the relevant documents such as periodicals,papers,and reports,based on the related theories of bank credit risk management,the development and status of credit funds of PSBC Shaanxi Branch and other financial institutions are compared.Research,We will select ten industries,including highways and road transport,urban rail transit,oil and natural gas extraction,coal and coal chemicals,non-ferrous metals,synthetic materials,urban infrastructure construction,military,thermal and power supply industries.Through the analysis of the risks and benefits of credit funds,the fuzzy analytic hierarchy process is used to quantitatively analyze the merits and demerits of credit funds invested in different industries and evaluate the rankings,in order to optimize the industry distribution of credit funds,and combine the experience of other financial institutions.Put forward the recommendation of credit fund industry distribution policy of PSBC Shaanxi Branch.The analysis of this article shows that when PSBC Shaanxi Branch makes credit capital investment,it is necessary to optimize the credit structure and disperse the industry concentration of the risk credit customers in the whole industry.For the road and road transport industry,urban rail transit industry,oil and natural gas mining,coal and coal chemical industry,thermal power industry,non-ferrous metals industry,synthetic materials industry,military industry,urban infrastructure construction industry and power supply industry,the ten industries shall be set at 25 % respectively.2 %,25 %,10 %,5 %,5 %,5 %,10 %,3 %,10 %,and 10 %.At the same time,we must also grasp the relevant policies of the state in a timely manner,giving priority to industry enterprises that meet the requirements of Shaanxi Province's industrial planning,green environment protection,scientific and technological innovation,and agricultural modernization.And improve the knowledge of the credit industry,raise the level of risk awareness,and prevent systemic risks in the industry.This is important for improving the efficiency of bank credit funds,improving the competitiveness of PSBC Shaanxi Branch,and making full use of limited social resources.