Credit Support About Diversification Development Of GongCheng Group Form China Construction Bank

Through describing the actuality of whole industry operation and financial management of GongCheng group corporation, the course of credit support that the China Construction Bank (CCB) gives to GongCheng group, and the difficult 'position of GongCheng group, I point out problems that exit in the corporation and consider that the pivotal problem in the course of ccb give credit to the GongCheng group is unable to grasp and keep away credit risk from the scope of whole corporation group. In the condition that financial difficulties come forth in the GongCheng group corporation, I consider that in the course of development about 13 years, GongCheng group has possessed of some good source and formed management mode with characteristic of its own. Though some problems exist, GongCheng group has foreground if he can get through the financial crisis and ameliorate the insufficiency. Under these circumstances, ccb should help GongCheng group deal with the crisis. Under this strategic principle, I consider that the main risks that face the ccb is coming from four aspect: the extent of the operation risk of the customer; the extent of credit standing risk of the customer; the instability of governors of the customer and noncommittal attitude of the government .In order to deal with the credit risk and make safety of credit asset of ccb, several measurement that ccb must do, the first is to add the guaranty to the loans, the second is providing financial counselor service, the third is strengthen the management after the credit be used. The final goal is to solve the financial crisis of GongCheng group and save ccb's credit asset from damage, realize a result of both win. Though the analysis of the case, I make some suggestion to commercial bank in identifying and prevent credit risk of group client.