Analysis On Credit Structure Optimization Of Jinshang Bank

As an important part of financial institutions,commercial banks play an important role in the sustainable and healthy development of our current economy.Credit business is the core business of commercial banks,and the interest income generated by credit business is also an important source of income for commercial banks.In recent years,the acceleration of interest rate liberalization has further narrowed the interest rate spread between deposits and loans,and the rapid development of financial disintermediation has intensified the competition and volatility of the credit market of commercial banks.All these inescability pose defiances to the healthy development of Chinese commercial banks.The credit structure of commercial banks is not only related to the normal operation of banks,but also to the stability of Chinese financial market.Optimizing and upgrading the credit structure is an important issue to be solved urgently by commercial banks.As a local bank in Shanxi Province,the development of Jinshang Bank’s credit business is not only affected by the national macro economy,but also restricted by the local industrial structure.With the increasing downward pressure of national economy and the adjustment of regional industrial structure,its credit business is also facing the development dilemma.It is necessary to strengthen the management of credit business,optimize the credit structure and release the space for loan growth.First of all,by combing the existing literature on credit structure and combining the credit structure data of Jinshang Bank from 2017 to 2021,this paper qualitatively analyzes its credit structure status from five dimensions: total amount of credit issuance,credit customer structure,credit industry distribution and credit term structure.Furthermore,relevant data of listed banks of the same type as Jinshang Bank are further sorted out,and a credit efficiency evaluation model representing the excellent degree of credit structure is established by using principal component analysis method,so as to locate the range of credit efficiency of Jinshang Bank.Secondly,on this basis,the paper deeply analyzes the problems existing in the credit structure of Jinshang Bank,such as the relatively low proportion of personal business,the relatively high proportion of major customers,and the concentration of credit delivery industry,and makes clear the causes from the four aspects of economic environment,management level,assessment mechanism and personnel.Finally,in combination with the reality and the strategic objectives of Jinshang Bank,this paper defines the credit structure optimization objectives of Jinshang Bank and proposes credit structure optimization measures such as developing personal business,expanding and deepening inclusive finance,optimizing industry distribution,strengthening risk prevention and control,as well as safeguard measures such as digital transformation,improving operation and management level,perfecting performance appraisal mechanism,and strengthening team building.The paper not only enriched the research of credit structure optimization of Chinese commercial banks,but also provided reference for the adjustment and optimization of credit business of commercial banks in other regions.