Commercial Bank Of China Inner Mongolia Branch Office Credit Structure Optimization

The main business of Chinese commercial banks are credit business, credit funds into the rational and efficient decisions can be healthy and stable development of commercial bank’s credit business. Commercial bank management principle ask its in the pursuit of interest at the same time, it also ensures that the credit assets security and liquidity,credit resources excessive concentration, make credit structure imbalance, leading to capital credit risks appear. Therefore, constantly optimize the credit structure, reasonable allocation credit resources is the our country commercial bank must face a problem. Macroeconomic factors determine must adjust the credit structure, and at the same time, adjust the credit structure is also is our country commercial bank itself the development of business objective need. With the economic and social development, commercial bank credit business environment and business policy are also constantly changing, therefore, active from inefficient credit market into efficient credit market, and gradually optimize the credit structure, from the subjective credit risk control in the source, to adapt to the present economic situation, so as to promote the development of the commercial bank credit business, make our country commercial bank sustainable development.Reasonable and effective credit structure can to a certain extent on the prevention and control credit risk of the occurrence of, and thereby improve the quality of credit assets, so that the increase in the bank’s operating efficiency.Therefore, optimizing the credit structure of commercial banks is to improve the quality of assets, increase profit is the only way which must be passed, the commercial banks in the fierce competition of the banking industry to have a space for one person and an important measure, only in this way, each commercial bank can be rapid, steady development.From the status of Industrial and Commercial Bank of China, excessive concentration of credit resources in some industries, part of the area, local imbalances of some high-end customers get credit structure, a potential or existing structural credit risk. These are essentially on the credit structure of credit risk management as a result of lack of awareness. This thesis, through research on the credit structure’s present situation and its development, analysis phase occurs ICBC problems in Inner Mongolia branch sales department, the credit structure, and make some recommendations to address these issues. Outside to the inside, by Seeing through the analysis and study of the credit structure of the Industrial and Commercial Bank of China Inner Mongolia Branch Office, help us to have a comprehensive structural condition of credit funds, in-depth understanding of the same time, on China’s commercial banks have a more in-depth understanding of the credit. Business.