Study On The Program And Application Of Credit Structural Adjustment Of Guangdong Branch, ICBC

Banking as the most important component in finance, plays a decisive role in economy. Credit business, the major transaction of commercial banks, is the core business of the value creation. At present, in commercial banks credit asset is the leading asset and the main resource of profits. Also, the credit risk is still the major risk. The quality of credit asset and the height of risk not only decide the profits, but also relate with the stable operation of the national economy as well as the national strategic financial security. As far as the current situation of credit asset operation, commercial banks still lies in the phase of scaled-operation. The huge scaling advantage of credit asset covers up the deep-rooted structural contradiction. Although there is consensus among China's banking that the pursuit of mere rapid development should transform into pursuit of high quality as priority, in practice, commercial banks still rely on and inertially think about the traditional scaling expansion as well as the "speed complex". Particularly the increment of credit embarkation aggregates 8.67 trillion yuan during 2009.1—2009.9, the high speed of which correspondingly results in its unbalanced structure. To assure the sustainable and healthy development of banks, the structural adjustment of credit is up to its eyebrow. It's directly related to the core competitiveness of commercial banks to withdraw from the risky enterprises effectively, guarantee the quality of credit assets, search the available outlets for the credit under precaution of risks, optimize the credit structure, so as to appreciate the credit resources and exert their wealth effect during the creation of social value.This paper takes Guangdong Branch of ICBC credit structural adjustment in an example, combining the abstraction and distillation of the correlative theories and documents, and the changes of economy and banking. It analyzes the significance of credit structural adjustment and optimization in the current economic environment, and generalizes the inspiration of it, in order to propose its strongly operant strategy from point to side. From the perspective of "credit comprehensive contribution", this paper compartmentalizes the credit structure, illustrates the implication of credit structure and its adjustment, which includes entering the effective credit market and exiting the ineffective market. The real adjustment succeeds when both the two aspects achieves. They must be conducted by market behavior, so as to solve the existing problems of credit structure. This paper is concluded from the author's summary of years'credit management in commercial bank, which is hoped to be referenced helpful to the credit operation of the commercial banks.