Research On Credit Risks Multi-Dimensions Prevention-Control Of Group-Affiliated Enterprise

With the improvement of market economy system, the progress of enterprise reform and the rapid development of the large-scale groups, the credit business to the Group's customer has become a centra-lized trend. However ,some commercial banks seem not be adept in the ability of concealment, hysteresis and chain of the group-related customers credit risks,so that it led to a spate of credit risk events.Based on the concept, features, characteristics of the group and the requirements of credit management, moreover, the introduction and analysis on the development, financial changes, External security and financial loss of Hebei A Co, Ltd, the paper proposed some problems in commercial banks such as untruthful information of the related- Enterprise, decision-making by financial information, ignoring the professional configuration, blindly believing big clients, imperfect post-loan management, unscientific assessment methods etc. To resolve the problems must rely on the staff, the systems and the technology. To establish a comprehensive information system by setting up a information management team surrounding the customer managers, to improve the monitoring system by setting up a Monitoring and Analysis team surrounding the analyst, To Improve the decision-making system by setting up a Leading team surrounding the Presidents (or vice presidents in charge of credit operations) are expounded. Commercial banks should take more effective measures to manage the loan funds by reinforcing the system construction, improving the classification system for large groups, Implementing a more refined type of management.