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 aff ect 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 infl ation, resulting in overcapacity, causing economic structural imbalance, accumulate the risk of the fi nancial 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.
Keyword :
commercial banks; credit scale; excessive expansion; reasonable growth