The Research On Strategy Of Credit Entering And Exit Of Hunan Province Industrial And Commercial Bank

It is necessary to make greater effort to study the problem of credit entering and exit to adapt to the huge change of macroscopic economic circumstance and deep structural reformation. Additionally, it is objective requirement for ICBC Hunan Br, to conform to enterprises, district, trade and the life cycle of product and to improve the quality of credit assets. And what's more, it is inherent and competitive requirement for the bank management and coping with foreign bank after joining the WTO. Therefore, the study of credit entering and exit has very highly realistic significance.Firstly, the thesis has defined the conception of credit entering and exit. By using the relative economics theories for reference, setting up the theory of credit entering and exit furthermore, seven basic principles and four types of judge standard have been brought forward. Secondly, factual and various analysis has been taken for present condition and main existing problems of ICBC Hunan Br. Thirdly, the theoretical strategy system of commercial bank credit entering was set up and four collectivity principles and trade industry, district, client, credit species, deadline target of credit entering were brought forward. Simultaneously, a creative way is shown on the system of quantitative and qualitative judgment standard established for credit market and excellent client. Fourthly, the thesis has set up the strategy system of commercial bank credit exit which formed judgment standard from qualitative and quantitative of sides, put forward concrete principles and opportunities of credit exit for different types of enterprises. Finally, the credit entering and exit is not only restricted with internal safeguard mechanism of bank, but also relied on better external management circumstance. It is a deep question that involves investment and financing system of china, finance and revenue system, and commercial bank movement system.The conclusion of this thesis is that ICBC Hunan Br. even for Chinese commercial banks should deal with the dialectic relationship of credit entering and exit correctly. According to the principle of "when entering or when exit" and "when act or when not act", the system of credit market entering and exit has been established and perfected. The structure of credit would be adjusted systematically from increase the deal arrive to save the deal, from part to the whole. In order to walk out entirely from the trouble environment in which credit is getting worse when credit is putted in, we should exploit vigorously the credit market with high yield and good prospect but exit from the inefficient credit market.