Research On S Branch Of ICBC Structural Adjustment Credit

Banks have been played essential role of China's financial market, and have occupied pivotal position in relation to the stable development of national economy and strategical safety of national financial market. Credit business has become one of the most important sources of profit and the main business activities for commercial Banks, meanwhile the credit risk should be highly concentrated. The rational allocation and distribution of credit resources impact the banks credit risk and profitability directly. Reasonable and efficient credit structure may greatly reduce the occupation of economic capital for a bank with avoiding credit risk in some respects. Therefore, how to optimize credit structure is to be an important issue for the commercial bank credit management.Since the 2008 financial crisis,because of large-scale delivery to infrastructure and real estate industry, banks obtained huge growth in credit, which stressed credit structural imbalance. Nowadays, reconstruction of commercial bank credit is imminent. The way for accessing to efficient credit markets other than inefficient credit market makes credit structure more effective and improves earnings, which should become an important issue for the state-owned commercial banks.This thesis has made introduction of the significant changes for the credit structure of ICBC Dalian Branch S Sub-Branch form 2006 to 2010, based on the elements of total credit structure, customer structure, industry structure, maturity structure, quality structure collection, and the asymmetric information theory, theory of credit rationing, risk return, the loan portfolio and other theory, through the comprehensive study of quality and quantity, the case and theoretical study, and the study of economic environment of Dalian and the changes of the earning capacity for S Sub-Branch form 2006 to 2010, systematic analysis the problems and the constraints of sustainable development to the branch.Then described the necessity of ICBC Dalian Branch S Sub-Branch credit structure adjustment,and the credit structure adjustment goals and ideas, proposed reasonable and effective credit structure optimization strategy, forecasted the effect of specific adjustment programs, and that the direction of credit structure adjustment on Sub-Branch level.