Optimization Of The Structure Of City Commercial Bank Credit Under The New Urbanization Background

Loan as an important traditional business of city commercial banks，interest income isthe main source of income. Relying on the high quality of credit assets, in order to improveoperational efficiency,is the realistic choice of commercial banks can not be avoided. Theexternal form of loan structure is the distribution of loans total assets constitute, the formof loan assets in the industry, regional, maturity, credit guarantee, the total amount of multi-level ordered combination.Loan business of commercial banks have a direct impact on thebanks’ operating performance.Its’ un-balance on its loan structure,is not conducive to thedevelopment of the bank itself, but also affect the direction of the adjustment of economicstructure of national industry.The city commercial banks’ loans focus on the single customer, long-term loanconcentration, as well as on manufacturing, electric power, building, transportation, realestate and other industries’ phenomenon is particularly prominent. High concentration ofloans, the banks’ business risk is greatly increased, and easy to cause the malignantcompetition between banks. Therefore, the adjustment of the credit structure of citycommercial banks is imminent, and the rapid advance of urbanization, provides a hithertobig opportunitie for city commercial banks’ credit structure optimization.With the progress of urbanization, potential of retail loans and small business loanbusiness income growth can not be ignored. At the same time, considering the flexibility ofmodern service industry in greater employment population, next to the private andindividual entrepreneurs of small micro service industry will have great development space.A large number of small loan demand from small business to retail loans (including citycommercial bank loans to small and medium-sized enterprises) the rapid growth ofbusiness income. On the consumer credit business, the rapid advance of urbanization willalso bring new opportunities to the rapid growth of city commercial banks of consumercredit, consumer loan business income (individual) is also expected to be strong growth. Atthe same time, the new urbanization will also promote the middle-income group rise anddevelopment, so as to bring more financial demand of new urban residents.