On The Application Of The Credit Theory And The Empirical Analysis

Credit business is the most important part of bank assets. Since2003, China’scommercial banks in line with the reform path of capital injection, equity restructuring, theintroduction of strategic investors, publicly listing, a series of joint-stock reform, a moderncommercial banking system began to shape. But compared with Europe and the United States,operating efficiency and profitability of commercial banks in China are in a lower level, thetraditional credit business is still the main source of bank profitability, the decision-makingquality and technology management of credit has not yet been radically improved. In theprocess of banking reform and development, people pay more attention to the internalstructure of the bank’s assets, management structure, types of business and managementtechniques, while ignoring the inherent relation among bank line of credit and bank loanquality and bank operations. Because the market liberalization time of China’s banking sectoris not long, the establishment of China’s Bank Asset Management mode and correspondingtesting lack sufficient sample data, the study of domestic bank line of credit is relativelyinsufficient, and most studies are limited to the qualitative discussion. In recent years, withthe rapid development of the national economy, the credit business is being more widely usedin the business of the Bank, how to use existing data through appropriate calculation methods,from the quantitative perspective to analyze the general rule of China’s credit line, seekinghigh-quality bank line of credit method is the core problem to solve.Analysis of the domestic banking sector credit line theory and practical applicationcontributed to discover the shortcomings of China’s banking industry of the existing line ofcredit. Estimated from the theoretical basis, risk analysis, the practical application point ofview, and gradually in-depth analysis to produce reasons, bring forward feasible optimizationscheme, hope to start a discussion of contributing to the study of the domestic line of credittheory. Any perspectives or language of immature, please point out and help to improve.