Study On Credit Funds Efficiency Of Commercial Banks

This dissertation zeroes in the efficiency problem of the credit funds. The basic outline is: beginning with circulation of credit funds, then studying on efficiency problem of credit funds, dividing the credit funds into three respects through an analysis of rules of movement of the credit funds at last. Taking advantage of analyzing of current efficiency situation of credit funds in our country, it is proven that the phenomenon of the credit funds with low efficiency really exists. In addition, it is studied that inefficiency of the credit funds affects the development commercial banks, financial system and national economy. Afterward, the author points out some reasons that lead the efficiency of the credit funds to be lower in our country. Finally, the countermeasures of improving the efficiency of the credit funds are put forward in this dissertation.The basic assumptions that this text studies are as follow. There are close relations between low level of the efficiency of the credit funds and the development of national economy, namely inefficiency of credit funds will lead to the fluctuation and unsteady growth of national economy; meanwhile, the latter will aggravate the former. This author regards deposit volume of financial institutions as the supply of the credit funds of the commercial banks, and regards loan volume as the demand of the credit funds of the commercial banks, because the commercial banks occupy absolute proportion in financial institutions.Employing all kinds of economic methods in the dissertation, the efficiency problem of credit funds in our country is studied. Some conclusions are drawn as follows:1. The current situation of studying the following efficiency of credit funds of our country of the conclusions are: (1) from the angle of determining the nature. By the look of three respects of the efficiency intension of the credit funds, of our country credit funds production efficiency, dispose efficiency, efficiency relatively low function. (2) from quantitative angle. From the production efficiency of the credit funds separately, dispose three respects of efficiency, function efficiency to start with, the phenomenon proving the credit funds of our country with low efficiency by way of real example really exists.2.The low influence that produces of the efficiency of the credit funds are: (1) to impact on national economy. The credit funds reduces the elasticity to the credit funds of national economy in the sports meeting in the inefficient state, reduce the sensitiveness to the credit funds of nationaleconomy, influence the function of contributing on national economy of the credit funds, reduce the function efficiency of the credit funds. (2) to impact on commercial bank oneself. The main business lines of the commercial bank are the business of assets, and the business that the main component of the assets business grants the loan, because efficiency of the credit funds is low, will make the cost burden of the credit funds aggravate, reduce the incomes of the commercial bank, make the commercial bank face the predicament in management finally. (3) to impact on financial system. The main component of the financial system is a financial institution, and the financial institution is mainly formed by commercial bank, the credit of commercial bank is a core of the roller chain of the whole credit, once the efficiency of the credit funds is reduced, will cause the management state of the commercial bank to worsen , will make the credit of commercial bank queried, and then involve the development of the whole financial institution, influence the development and stability of the whole financial system finally.3. The reasons causing the efficiency of the credit funds to be low are: (1) to be reason of the style of economic increase. In the extensive economic growth mode, credit funds can not be well considered its quality invested, and only pay attention to its quantity invested, pile up much credit funds in the course of economic growth, have reduced the efficiency of the credit funds. (2) to be reason of the market information asymmetry. It is efficient that the credit funds runs under the complete information condition. But the efficiency of the credit funds was limited under the information asymmetry condition. (3) to be reason of the social credit environment. At present, the credit behavior of our government, enterprise's credit behavior, because resident's credit behavior can't well receive the efficiency that the norm reduces the credit funds to a certain extent. (4) to be reason of centralization of state power type government's system. The old system has not been totally dispelled, but the new system has not been sound yet, unable to give full play to the role of its, so it will reduce efficiency of the credit funds. (5) to be reason of commercial banks' management. Comparatively time is shorter in the course of the reform of commercial bank of our country; and the educational level and quality are not very high. Thus it will influence the efficiency of the credit funds.4. The countermeasures of improving the credit funds efficiency of commercial banks is: (1) to change the economic growth mode. Must make the economic growth mode transformed to the intensive growth way from the extensive growth way. (2) to develop the reference industry, establish the system of perfect reference. This is an important content of system construction of social credit. It will improve the efficiency of the credit funds. (3) to optimize the social credit environment. It is the main guarantees of improving the efficiency of the credit funds to optimize the social credit environment. (4) to standardize government's economic administration behavior. Standardize...