商业银行人民币贷款规模分配及盈利问题

The Scale Distribution and Profitability of RMB Loans of Commercial Banks

研究商业银行的贷款模式有利于商业银行合理的分配资金,使得资金利用最大化,规范银行经营模式.同时商业银行贷款模式的调整会影响地区经济发展状况,对平衡各地区经济发展具有重要意义.针对商业银行人民币贷款规模分配及盈利问题,运用多元线性回归模型、时间序列模型、季节模型、灰色预测模型、线性规划等分析了银行存贷关系,综合分析了商业银行经营模式,给出了该行贷款规模的分配方案,并对模型进行了改进,结合实际对银行给出了合理化的建议.

Studying the loan model of commercial banks is conducive to the rational allocation of funds by commercial banks,maximizing the use of funds and regulating the bank's business model.At the same time,the adjustment of the commercial bank loan model will affect the regional economic development and is of great significance for balancing the economic development of various regions.Aiming at the problem of RMB loan size distribution and profitability of commercial banks,the relationship between bank deposit and loan is analyzed by using multiple linear regression model,time series model,seasonal model,grey forecasting model and linear programming,and the business model of commercial banks is analyzed.The allocation plan of the loan scale,and the model has been improved,and rational recommendations to the bank has been given.