China’s Listed Banks Structural Adjustment Credit

Reasonable credit structure can not only efficiently increase allocative efficiency,also play a very active part in the important of economy quickly and healthy.The credit structure of listed banks in our country is unitary for a long time, risk management ability is low,too.That makes too much focus on the credit availability. Credit concentration will cause risk concentration.Once credit concentration is happened in a company or there is a risk in the industry,the possibility of credit default will grow overall.The damage of bank may meet will increase quickly.If the listed banks in our country still follow the current thinking and idea,we can not only share good opportunity in modern banking,but also can not adjust to the open international financial markets.It is also hard to achieve the effective coordination among quality, benefit and scale which can significantly improve the market competitiveness and business development capability.So, the credit structure adjustment optimization is a inevitable question before the bank. It has important theoretical significance and research value to research the right market positioning and reasonable credit structure through establishing the corresponding evaluation index, evaluating listed on the credit structure and focusing on credit distribution adjustment.In recent years, although China ’s listed banks in the credit structure adjustment carried out some useful exploration, the whole operation of credit is big increased.For some reasons,in the standard of listed bank,big distance is there. This article is into five chapters to introduce the issue of China’s listed banks to adjust credit structure. First,there will be a basically describe in the basic theory of credit structure,then the empirical test will be done.There is not a comprehensive data about the China Everbright Bank and Agricultural Bank of China because they are too late to list to the market.So this text will analysis 14 samples of listed banks.The credit concentration analysis will divide into credit customer, credit period and the credit industry.Through empirical analysis of Credit structure in the 14 listed banks,we can judge the incidence of listed Banks credit structure to the business performance.Finally, through the empirical research we can obtain the move of listed Banks credit institutions optimization adjustment,then to improve the quality of credit assets step by step,to stop and control effectively in credit risk.