Credit Analyses Of Commercial Banks Based On Rates Of Capital Utilization

Since reform and opening, with the rapid economic and social development, the bankhas played an increasingly important role in economic development, the bank not onlypromote coordinated economic development, but also to maintain the stable operation of thefinancial system. China’s commercial banks are currently facing many problems, changingeconomic environment, non-performing loans increased year by year. In transition in China,economic growth more significantly associated with the development banks, commercialbank credit as one of the companies important financing channels, whether valid, reasonabledistribution of payment for the survival of the enterprise operations have a very importantrole. However, faced with limited credit funds, complex and volatile economic environment,the risk of all types of enterprises ranging in size, there is the inevitable commercial bankfinancial issues of discrimination. Bank of China ’s credit funds directly or indirectly affectthe allocation efficiency of social and economic development.Currently on our bank credit market, many companies have difficulty obtaining creditsupport, commercial bank credit has concentrated more serious credit problems. The mostobvious difference is the credit of state-owned enterprises and private enterprises. Privatecompanies generally higher business risk management system is not perfect, lowtransparency, high cost of commercial bank lending after regulators on them. State-ownedenterprises with strong financial scale, anti-risk ability, high business reputation bysupporting policies and funding. For consideration of the risks of commercial banks,state-owned enterprises will generally choose a credit objects.Commercial bank credit funds for capital investment in production factor labor, capitalutilization has become a non-negligible inspection object. Credit funds for capital investmentin productive labor factor, high utilization of the factors of production should be elements ofa place to gather. After being put into the enterprise capital element in the production process,through a combination of labor, capital appreciation or to create value for the enterpriserevenue, capital utilization and positive correlation between business efficiency, utilizationof research capital for commercial banks credit allocation is important.In this study, the utilization of capital from the company point of view, the business andcredit risk, corporate financing and commercial bank credit facilities differences aredescribed in detail on the level of utilization of capital of listed companies, credit reason forthe difference, commercial bank credit funds allocation efficiency and other issues empiricalanalysis. Reached the following conclusions: the presence of commercial bank creditdiscrimination; private enterprise capital utilization rate is generally higher than state-owned enterprises; commercial bank credit allocation is not efficient, commercial banks are not ableto support a good operating and related industries development.