当前商业银行信贷结构调整分析

发布时间：2018-07-23 21:00

【摘要】：当前我国商业银行的信贷资产占比仍然较高,信贷结构方面存在中长期化、产业集中和中小企业融资难等失衡现象。信贷结构调整不仅与商业银行的经营和成长息息相关,更关系到整个国民经济的健康发展。商业银行可从调整资产负债情况、平衡不同行业之间信贷结构、规避逆向选择加大对中小企业扶持、在不同区域合理分配信贷资金、优化服务提供多样化产品等方面对信贷结构进行优化,并注意以银行价值最大化为目标,根据银行比较优势进行有针对性的调整,同时严格遵守国家宏观调控要求。
[Abstract]:At present, the proportion of credit assets of commercial banks in China is still relatively high, the credit structure is in a long-term, industrial concentration and financing difficulties of small and medium-sized enterprises and other imbalances. The adjustment of credit structure is not only closely related to the management and growth of commercial banks, but also related to the healthy development of the whole national economy. Commercial banks can adjust the situation of assets and liabilities, balance the credit structure between different industries, avoid adverse selection and increase support to small and medium-sized enterprises, and distribute credit funds rationally in different regions. The credit structure should be optimized in the aspects of optimizing the service and providing diversified products, and taking the maximization of bank value as the goal, making targeted adjustment according to the bank's comparative advantage, and strictly complying with the requirements of the state macro regulation and control at the same time.
【作者单位】：中央财经大学财政学院;吉林大学商学院;
【基金】：全国优秀博士学位论文作者专项资金资助项目“基于动态随机一般均衡模型的中国非线性货币政策反应规则研究”(201303) 国家自然科学基金项目“新形势下非线性动态随机一般均衡模型在我国货币政策规则评价中的应用”(71203076) 教育部人文社会科学研究项目“‘十二五’期间我国经济周期波动态势与经济政策调控模式的动态随机一般均衡分析”(11YJC790158)
【分类号】：F832.4

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