十二五期间如何优化商业银行信贷结构

How to Optimize Credit Structure of Commercial Banks during the Twelth Five-Year Plan

为了应对国际金融危机,2009年中国政府采取了投资拉动政策,商业银行也加大了信贷投放,信贷资产规模急剧增加,存量资产和新增资产的结构发生了一些变化。尽管股改以来商业银行信贷结构趋于优化,但是仍存在房地产业、地方政府融资平台、部分风险较高行业的贷款规模偏大等问题,未来商业银行调整信贷结构应从以下六方面着手:科学配置信贷资源;通过信贷增量优化带动存量优化;创新中间业务,带动传统业务发展;依托产业价值链,引导信贷资金投向;关注金融生态变化,明确信贷优先投放区域;紧紧围绕"十二五"规划,把握贷款行业投向。

In order to cope with the international financial crisis,China's government implemented a policy to stimulate investment in 2009.Meanwhile,commercial banks increased loan supply,which caused that the size of credit assets increased dramatically and the structure of existing assets and new assets changed.The credit structure has been optimized since the joint-stock reform of commercial banks,but there are still the problems that the sizes of loans in the real estate,local government financing platform and some high-risk industries are too large.In the future,commercial banks should adjust their credit structures in following six ways:scientifically allocating credit resources,optimizing the stock of loans by the optimization of increment of loans,developing traditional business by the innovation of intermediary business,guiding credit funds with industry value chain,analysing financial ecological changes to decide the priorities of investment fields of credit funds and controlling the investment fields of loans according to the Twelth Five-Year Plan.