Research On Credit Structure Adjustment And Optimzation Strategy Of Bank Of China JN Branch

Commercial banks are important financial institutions in China,and they play an indispensable and important role in China's economic development.For commercial banks,the interest income from credit assets is the main source of income,and the uncertainty of credit assets is also the main risk,so the structure of credit assets is the key factor that determines the success or failure of its operations.However,with the accelerated advancement of the interest rate market in recent years,the interest rate gap between deposits and loans has further narrowed,coupled with the rapid development of financial disintermediation,the competitiveness and volatility of commercial bank credit markets have intensified.These have undoubtedly increased commercial banks.The difficulty of adjusting the credit structure has put a severe test on whether commercial banks can continue to develop well.Therefore,it is an important issue that commercial banks need to solve to discuss how to adjust and optimize the structure of credit assets.This article analyzes the Bank's JN branch behavior as a specific research object to analyze the bank's credit structure adjustment and optimization strategy.First,the domestic and foreign relevant literature is combed from the influencing factors,economic effects and measures of commercial bank credit structure adjustment,and summarizes the information asymmetry theory of credit assets,asset portfolio theory,credit resource allocation theory and credit risk management theory;Secondly,using the specific data of JN branch credit placement in 2014-2018,the bank's credit structure status was analyzed from five aspects: credit sector,loan quality,credit client structure,credit industry structure and loan term,and the status quo Based on the analysis,it summarizes the problems and causes of the bank's credit structure;finally,according to the current status,problems and causes of the credit structure of the JN branch,it is targeted to propose to revitalize the stock credit resources,increase the proportion of medium and long-term loans reasonably Optimize measures such as controlling the quality of credit assets,actively promoting the digital transformation of technology and accelerating the introduction of talents.This article uses the specific research object of Bank of China's JN branch behavior and uses the bank's real credit data to comprehensively discuss and analyze the bank's credit structure status and existing problems,not only for JN branch how to optimize thecredit structure and maintain long-term stable development.It has provided guidance suggestions,and also has certain reference significance for the adjustment and optimization of credit structure of other commercial banks.