A Study on the Credit Scale of Commercial Banks

Yumeng Qiu, Jianwei Gu, Junshu Gao

Article ID: 362
Vol 1, Issue 1, 2018

VIEWS - 1381 (Abstract) 631 (PDF)

Abstract


In recent years, with the rapid development of China's economy and the trend of economic globalization, China's financial market development momentum is good. Commercial banks and other financial institutions, the rapid growth of credit scale, the development of the national economy has played a catalytic role. But the credit changes will affect the investment changes, which led to increased money supply, but also increase the credit risk, commercial bank credit expansion caused by a series of problems also exposed: exacerbate inflation, resulting in overcapacity, causing economic structural imbalance, accumulate the risk of the financial system, and increase the bank's bad assets. The scale of credit has become a hot topic of concern at home and abroad, research and grasp the rational growth of commercial bank credit to achieve the best size of the problem is urgent. This paper analyzes the reasons for the increasing credit scale of commercial banks, analyzes the harm of excessive expansion of credit scale, explains the necessity of rational expansion of credit scale, and puts forward some suggestions on the credit development of commercial banks in the future.


Full Text:

PDF


References


1. Zhang Ming-zhi. Study on the adjustment strategy of commercial bank's credit structure in the background of economic transformation [J]. Hainan Finance .2011 (8): 57-59.

2. Sun Lichun. China's commercial bank credit structure adjustment and optimization [J]. Global market information guide (theory), 2011 (10): 36-36.

3. Liu Dongqing. Study on the Adjustment of Credit Structure in Commercial Banks under the Current Situation - Based on Capital Supervision, Green Credit and Credit Scale [J]. Science and Wealth, 2011 (9): 44-44.

4. Fan Zhigang, He Chongyang. Dialectical view of the recent high growth of commercial banks credit [J]. Financial Forum, 2009 (6), 5-12.

5. Dong Jianwei. Study on the optimal scale of credit in commercial banks [J]. Economics and Management, 2011 (7): 54-58.

6. Zhou Xiaochen. China's commercial banks in 2010 credit situation analysis [J]. Bankers, 2010 (2): 41-43.

7. Xiao Jian, Guo Guoteng. The difficulties, causes and suggestions of credit scale regulation of state-owned commercial banks [J]. Management and Management, 2011 (10): 27-29.

8. Li Chengchun. New economic situation under the commercial bank credit structure adjustment thinking [J]. Computer Management and Research, 2010 (3): 29-33.

9. Xie Jiehua, Li Chengqing. On the new situation of bank credit into the strategy [J]. Southern Finance, 2009 (1): 23-26.

10. Liang Rongsong, Li Chengqing, Xie Jiehua. North Yan Bank run crisis on China's banking industry, the rapid growth of credit [J]. Hainan Finance, 2010 (5): 15-23.




DOI: https://doi.org/10.24294/fsj.v1i1.362

Refbacks

  • There are currently no refbacks.




Creative Commons License

This site is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.