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随着金融改革的日益完善和银行市场化进程的不断加快,我国商业银行的信贷集中现象日益显著。虽然短期内信贷集中有利于实现银行利润最大化,但长期来看,信贷集中加大银行资金的潜在风险,可能带来难以预计的损失和金融危机。本文以中国建设银行为例,对区域、行业、对象、期限的信贷集中现象进行分析,探讨其产生的原因和风险,提出了防范信贷集中的相关对策。
With the improvement of financial reform and the accelerating of the marketization of banks, the concentration of credit in our commercial banks has become increasingly prominent. Although credit concentration in the short term is conducive to maximizing bank profits, in the long run, the potential concentration of credit to increase bank funds may bring unpredictable losses and financial crisis. This article takes China Construction Bank as an example to analyze the concentration of credit in regions, industries, objects and deadlines, discusses the reasons and risks arising therefrom, and puts forward countermeasures to prevent credit concentration.