银行业信贷结构及其优化路径研究  

The Structure of Banking Loans and the Optimization Path

作　　者：张辉 贺敬芝 

机构地区：[1]浦发银行总行战略发展部

出　　处：《金融监管研究》2018年第3期64-78,共15页Financial Regulation Research

摘　　要：本文以公司客户贷款结构为切入点,从市场总体情况、上市企业银行借款、商业银行信贷行业结构等维度,对比分析了2009年以来我国商业银行的信贷结构变化。研究发现,在贷款占GDP比值相对稳定的情况下,对公贷款增速有所加快。企业短期贷款在经济下行期增长较快,而基建和房地产投资对中长期贷款依赖较强。各行新增信贷集中度高,行业投向有所差异。在此基础上,为进一步优化银行业信贷结构,本文建议:商业银行在行业信贷方面,强化宏观环境和行业经营研究,进一步提高信贷结构调整的科学性和有效性;研究实施服务轻资产行业的有效经营模式;重点关注房地产行业的未来走势;调整优化传统信贷投放聚集的部分行业;支持战略性新兴产业中的优势行业企业;关注行业信贷结构变化所蕴含的风险。This paper studies the structure of corporate loans of China＇s commercial banks since 2009 from aspects including aggregate market conditions, banking loans of listed companies, industrial structure of loans This paper finds that the proportion of corporate loans is increasing while the loan-to-GDP ratio remains stable Short term loans of corporate increases faster during recessions, and infrastructure and real estate investments depend more on medium and long term loans. The concentration of new loans is high in each bank, but the industrial structures of different banks vary. This paper then proposes suggestions on optimizing the structure of banking loans. First, regarding to industrial loans, commercial banks should invest more in Macro and Industrial studies to improve the structure of loans more scientifically and efficiently. Second, exploring the effective models on serving light capital industries. Third, focusing on the future trend of the real estate industry. Fourth, adjusting and optimizing bank loans of the traditionally concentrated industries. Fifth, supporting the dominating firms of strategically important new industries. Finally, paying close attentions to risks caused by changes of the structure of loans.

关 键 词：信贷结构 贷款集中度 信贷风险 银行业服务实体经济 

分 类 号：F832[经济管理—金融学]