Industrial And Commercial Bank Of Qinghai Province Branch Credit Business Innovation And Development

" Twelfth Five-Year Plan" period is our country overall constructioncomparatively well-off society in the important period of strategic opportunities, butalso Qinghai industrial and Commercial Bank of China put forward to build "fine andstrong" the crucial period of modern commercial bank. Our society will be thescientific outlook on development into the overall economic and social development,by strengthening the capacity of independent innovation, exert oneself to advanceeconomic structural adjustment and growth pattern change, and continuously improvethe quality and efficiency of economic growth. The above requirements, the industrialand Commercial Bank of Qinghai to speed up the adjustment of business structure,change the mode of growth raised more pressing requirement. So credit work mustadapt to the change of business environment and the requirements of the times,according to the overall deploy and requirement, innovation and development, indevelopment and accelerate the pace of innovation, through the improvement andpromotion of traditional credit business service function and service efficiency,improve credit business core competitiveness and comprehensive income level, inorder to achieve credit business’s sustainable development.However, with the deepening of market competition, as a regional bank, Qinghaibank credit business development ability is ceaseless and abate is an indisputable fact,facing the present market condition, and progressive conservative is no way out, toinnovation and development, to break the old tradition is rely on, develop creditbusiness it is very important.The purpose of this paper is to industrial and Commercial Bank of ChinaQinghai branch as an example, on the current credit business in some of the problemsare revealed and analyzed to find out the root cause, and the difference of industrialand Commercial Bank of Qinghai branch, should how to build more efficient, moreaccurate credit system, and try to give the new credit management frameworkreasonable steps and main move. Therefore, this article takes the macroscopical and microcosmic analysis are combined, the combination of qualitative and quantitativeanalysis, the combination of theory and practice method for a plurality, extensivereference and guidance of the relevant theory and research achievements of literature,but also some data analysis and research, in order to achieve the industrial andCommercial Bank of China Qinghai branch credit innovation breakthrough, all hopethat the efforts to industrial and Commercial Bank of China Qinghai branch creditbusiness development can do some help.