The Research On Credit Structure Improvement Of SRCB H Sub-branch

The credit business of commercial banks is the core sources of profit and it is the most flexible business. The target of credit structure improvement is the maximal profit at the basis of steady operation of credit business. With the economy recovering gradually in recent years, there exist a large amount of loan issuing of commercial banks, high speed of loan issuing and extreme concentration of loans issuing etc. It breaks the balance of credit structure in the process of dynamic balancing of the profitability, safety and liquidity of commercial banks. The approach to optimize the credit structure, prevent and resolve risks is a core issue of commercial bank management, which is closely related to the survival and development of commercial banks.The thesis embarks upon the researching background and significance and confirms the researching thinking and approaches, according to which domestic and foreign credit viewpoints. This thesis takes SRCB H sub-branch as the example and introduces the fundamental definition of credit structure, the fundamental details of credit structure improvement and the principles of improvement. According to the principles of "three properties":the theory of information asymmetry, the theory of credit rationing, the theory of risk versus profit and the theory of the loan portfolio etc, the thesis analyzes the credit structure of SRCB H sub-branch at the aspects of loan-to-deposit ratio, types of business, industries of loan issuing, credit products and other aspects of 2012-2014.Moreover, the thesis presents and analyzes the issues of credit structure of SRCB H sub-branch with the combination of theories, quality, quantity and cases. Combined with the restrictions of credit operations, the thesis illustrates the significance of credit structure improvement, specifies the target and approach, carries out definite measures of credit structure improvement and proposes feasible and practical strategies of credit structure improvement. The thesis forecasts the effects of improvement. To which target, the thesis indicates the tendency of credit structure improvement at the dedicated level of SRCB H sub-branch.