On The Control Of The Group Of The Customer Credit Risk Of Commercial Banks

Recent year, with our economic high-speed development, capital market and economic globalization, it is frequently enterprise unite and combine. Many enterprises implement collectivize strategy through capital act and multi-industry. Comparing with one enterprise, group client usually has strong ability, good reputation, multiplicity requests and bring large profit for bank, so all banks choose them as the important developing clients.Though group client will bring profit, they also will bring risk at the same time. Once risk happened, it is involved large credit amount, many creditor banks and cause bad capital. It is a big threaten for not only commercial banks themselves, but also the whole finance system and country safety. At whole analysis, our commercial banks lack a complete pertinency management system and operating procedure for credit management of group clients. Based on it, I decide to study this field and hope to do some contribution.My paper is divided for four parts. The first part introduces related basic principle. For example, group clients, credit risk est. The second part introduces present status of our commercial banks credit business to group clients. For example, LanTian group, NongKai group, HuaGuang group est. Including specialty of group client and credit risk, and find credit risk control problems of commercial banks. The third part tells the five aspects problems. The fourth part is the core content of the paper---- suggestions for risk control. In my opinion, it is very complex for reason of credit risk of group clients at present. Group clients reason, commercial banks reason, external credit system and information system building. It is a complete project for the risk control of group credit business. So we should control credit risk from commercial banks internal management, loan contract add protection items, society credit system, information system building and complete laws to avoid risk and ensure the safety of credit assets. At the same time, realize the banks steady operation and long time development.