Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loanallocation mistakes, is the main problem of Chinese Banks industry.
How to eliminate concealed damages lies in weakening commercial banking institutional and market-oriented loanallocation, establishing standardized loan market and information transmission mechanism.
化解隐患的关键在于弱化商业银行的制度性和市场性的信贷配给，建立标准的信贷市场以及信息传导机制。
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Such allocation methods, limits constrained optimal loan decision and after loan parameters adjustment make supplement for each other and mutually constitute the dynamic economic capital allocation.