Research On Risk Management On Group Customer In Commercial Bank

As the bank’s customers, the general large-scale, capital strength, strong market competitiveness, credit rating higher, for commercial banks to bring higher returns by commercial banks in favor of. However, in recent years, the commercial banks need to cost, profit and risk prevention, have the group of customers as the focus of marketing object, the loan is to each big enterprise, big group customer focus, customer loans is rising. However, the management of credit risk has not yet formed a set of effective systems and practices at commercial banks, and many customers have complex internal structure, corporate governance efficiency low, deviate from the core business, related party transactions, capital of string and associated enterprises mutual guarantee, credit, illegal operation and so phenomenon, once the macro economic situation changes, the capital chain may at any time to fracture. Bank of the group customer credit risk management ability has been challenged, related risk increasing, will bring the commercial bank the huge credit risk. This article in view of the current situation of credit of commercial bank group client, form of expression and reason analysis of credit risk, the commercial banks shall regulate the group customer credit program, set up the early warning system of credit risk of group customers, strengthen the group customer credit risk supervision, optimize the credit risk management of group customer credit environment to improve the commercial bank group client credit the level of risk prevention policy recommendations.