Research On Credit Structure Adjustment Of Z Commercial Bank From Supply Side Perspective

At present,the policy orientation of China's economic reform and development is supply-side reform.With the establishment of the direction of supply-side reform and the goal of supply-side reform,the government has gradually promoted the policy landing.At present,the reform is mainly carried out in the field of real economy,real estate market and financial industry.Banking is the center of financial optimal allocation,an important link in the transformation of service entity economy,and commercial banks are indispensable elements in the process of supply-side structural reform.At present,from the perspective of supply-side structure reform,commercial banks need to adjust their credit structure in order to improve their supply quality and efficiency.Commercial banks should promote the transformation of credit operation around the idea of "supplement,decrease,add",increase the credit investment of enterprises in emerging areas and key projects,withdraw from the enterprise credit of low-end backward and excess capacity,enhance the level of risk management,establish new credit management,and reduce the financing cost of enterprises.In the process of pushing forward the reform of supply structure,we should gradually solve the problem of loans to reduce production capacity and withdraw,and promote the development of China's real economy.At the same time,the adjustment and transformation of credit structure can resolve non-performing loans.In order to achieve business development and transformation and upgrading,commercial banks can improve the quality of supply by innovating supply and expanding consumption demand,guard against and control credit asset risks,and increase industry profits.In short,in the process of supply-side reform,commercial banks,especially bank credit,must be involved in the allocation of funds.This paper discusses the meaning of credit structure adjustment and supply-side reform,sums up the development process of credit rationing theory,and analyses the impact of supply-side structural reform on commercial banks from the aspects of credit customer structure,credit direction,credit product innovation and risk management.Taking Bank Z as the research object,the author collates and analyses the data of Bank Z,and makes statistical analysis of the credit data.It mainly discusses the characteristics of the credit structure of Bank Z from the aspects of credit volume,credit duration,credit industry and customer scale credit,and summarizes the problems existing in the credit structure of Bank Z:loan concentration ratio is relatively high.High;credit default risk increased;loan profitability was weak;low-end manufacturing loans accounted for a higher proportion,exit difficulties;small and micro enterprises loan insufficient.The credit "structure of Z Commercial Bank is affected by the assessment mechanism,regional economic development,post-loan management,customer managers and legal professionals.Based on the analysis of the credit structure adjustment of Z Bank from the perspective of supply side,this paper determines the goal and strategy of the credit structure adjustment of Z Bank.In view of the adjustment strategy,this paper puts forward the corresponding solutions for Z Bank:strengthening the post-loan management,establishing a sound risk control system;using large data products to carry out precision marketing;using electronic banking and other means to expand the bank service projects.Strengthen the establishment of the team of customer mangers;enhance the legal awareness of customer managers;establish an effective incentive mechanism.