The Research On Credit Risk Prevention Of Group Customers In Commercial Banks

Group customers generally possess a large amount of assets and a lot of influential capitals, their competitiveness are stronger, credits are relatively high, therefore, group customers are attractive to the banks, and it becomes a trend that bank loans has been heavily given to group customers .In recent years, commercial banks regard group customers as key market targets against the need of cost control, profit earning and risk management. Banks make credit centralized to big enterprise and big group customers, the proportion of group customers'loan is rising constantly. however, a lot of group customers have complicated structure and low efficiency with administration. Their business deviate from primary scope, and they often run internal trades, appropriate funds between each other, and guarantee each other against bank loans, apply bank loans in different names, violate regulations. Once macroeconomic conditions change, their chain of funds may be broken. Banks have been challenged against the managerial ability of group customers'credit risks. Relevant risks are being strengthened constantly, and these risks would bring commercial banks to a dangerous edge.With the current situation of group customers'credit risks, this paper plans to analyze the form and reason of group customers'credit risk, propose that commercial banks should standardize group customers'credit procedure, set up group customers'risk warning system, strengthen outside supervision, optimize credit environment, etc., ultimately to raise management level of group customers'credit risk.