Research On D Bank's Credit Investment From The Perspective Of Suzhou Economic Structure

Regional financial support is closely related to regional economic development.Facing the current economic shift speed in Suzhou,how can commercial banks deal with the credit investment well,ensuring that the management,scale and efficiency of its own can grow constantly,and the safety and liquidity of credit assets.It is a significant issue worth pondering.The industrial structure is an important index that can reflect the economic development in the current area.The investment in fixed assets is the main direction to reflect the economic growth in the future area.Starting from the reality,through the deep analysis of the economic industries and fixed investments in the districts of Suzhou,the paper identifies the leading industries in each region and industries worthy of credit support.Then combined with the risk preference of D bank,it screens out the key industries of credit extension in all regions.They are include: government industry,real estate,computer communications and other electronic equipment manufacturing,equipment manufacturing industry(electrical machinery and equipment manufacturing,general equipment manufacturing,special equipment manufacturing industry,which consists high-end equipment manufacturing),new material,automobile industry,chemical raw materials and chemicals manufacturing port,modern logistics and warehousing industry,biology and new medicine.On this basis,the efficiency of credit delivery of D Bank will be greatly improved,and financial support for the real economy can be real realized.At the end of this paper,we put forward some protective measures to ensure the effective implementation of the recommendations from the aspect of organization structure,specific process and emergency measures and so on,so that the whole proposal can be implemented more efficiently.