A Study On Credit Risk Of Business Group Customers

With the development of economy and the raise of enterprise intensification management level, the business group already became the global tide, the business group customer are more and more, and it has become the special and important customer community of commercial bank. Looked from the management of cost and income of commercial bank, service the group customers can effectively display the economies of scale, and reduces the maintenance and the cost of operation, The group customer quantity and occupies unceasingly rises also is the trend of the bank's structure adjustment, Therefore strengthens the research of the group customer has the vital significance to commercial bank's management.In economic system switcher time, it while bringing the banks great profits, there also exist credit risks. This phenomenon is due to the lack of management on giving credits to group customers, the letter management of the group customers and the control of risk is facing the huge challenge. This paper analyzes the credit risk of the commercial banks'business group customers, emphasizes the reasons of it, and brings up suggestions and measures to resist it. The paper is first carried on the limits to the group customer; secondly it analyze the manifestation and the origin of group customer's credit risk, thirdly it analyzed the question which exists to the group customer credit management of commercial bank, Finally it raises some suggestions and measures to resist the credit risk of business group customers.