商业银行信贷结构调整优化策略研究——以西部某省G银行为例

The Research on the Optimization Strategy of the Credit Structure Adjustment of the Commercial Banks——A Case of G bank in a Western Province

合理高效的信贷结构不仅决定银行自身的盈利水平,更关系到整个国家经济的健康及可持续发展,如何优化信贷结构,提高信贷经营效益,直接关系到商业银行的核心竞争力。本文以西部某省G银行信贷结构调整为例进行实证研究,提出了信贷结构调整优化策略,并从"信贷效率"这一新的角度对该行的优化策略进行分析,建立了基于资本占用、风险收益、资产质量、竞争能力四变量的信贷效率评价模型,证明了该策略和模型在商业银行信贷结构调整中的有效性和可行性,对我国商业银行信贷结构调整有一定的启示意义。

Reasonable and efficient credit structure not only determines the profit level of banks but also is more related to the healthy and sustainable development of the national economy. How to optimize the credit structure and improve the credit management benefit directly relates to the core competitiveness of commercial banks. Based on the empirical research on the credit structure adjust-ment of G bank in a western province, the paper puts forward a set of optimization strategy of the credit structure adjustment. From a new angle of ＂credit efficiency＂, the paper analyzes the optimization strategy, establishes the credit efficiency evaluation model based on four variables such as capital occupancy, risk return, asset quality and competitive ability, and proves the effectiveness and feasibili-ty of the strategy and model in the credit structure adjustment of commercial banks so as to bring forth a certain enlightenment signifi-cance to the credit structure adjustment of commercial banks in China.