The Credit Risk Management Of Corporate Group Clients Reasearch In PF Bank

IN recently the credit risk management of corporate group clients in commercial banks have become the hot and difficult issues, but in domestic banks this research is still in its initial stage, and the measures of management are to be further improved. With a commercial bank staff, strengthening the credit management of PF bank,this paper try to provide a guide frame for prevention to credit risk in PF bank.First of all, this paper summarizes present situation of researching in the domestic and foreign literature for corporate group clients credit risk, and proposed the research object and the significance of its study, and expounds the research train of thought, research ways and methods. Then, this paper expounds the theoretical foundation of commercial bank group customers began, separately from the commercial bank credit risk of group customers management motivation, and influence the credit risk management of group clients of the general factors and credit risk management effect three aspects carries on the analysis, through the theory analysis, it indicates that commercial bank group customer credit risk management the necessity and the importance of. On this basis, into the Bank of PF personality analysis stage, first from the PF bank credit risk management analysis of the current situation, including risk types of corporate group clients in the PF bank, and credit risk present situation of corporate group clients as well as the PF bank for corporate group clients credit management principle and process; secondly, from the above analysis to extract PF bank group customer credit management problems, mainly the risk recognition is not perfect before the loan, the risk measurement technology is backward before the loan, risk control issues such as lack of after loan, and according to these three issues by the analysis of its causes. Finally, this paper also on foreign bank group customer credit risk management research, and summarizes the Royal Bank, Citibank, HSBC Bank of three famous international bank management experience, in reference to foreign bank risk management experience elaborated on this foundation PF bank group customer’s credit risk type, risk status and PF commercial bank credit risk management present situation, is described for the commercial bank group customer credit risk management process, followed by detailed analysis of the commercial bank credit risk of group customers management existence question and the reason. Finally, in the above analysis foundation, draw lessons from the foreign banks for corporate group clients credit management experience, put forward to perfect PF Bank Group Customer credit management measures, effectively guard group customer credit risk.