Research On Credit Risk Joint Management From Enterprise Group Of Jiangsu Commercial Banking

Enterprise group client is the most important customer cluster of Chinese commercial banks at current stage, stable returns, large credit demands and other advantages, making it the most competitive commercial banks battlefield. Since2013, around the enterprise group credit crisis has frequently happened around Jiangsu Province, such as "Suntech" event. Under the circumstances of economic growth going downside, a part of enterprise group has been into financial distress. They use single commercial bank asymmetric information, the objective reality of limited human resources, time difference of loan application between banks, and fictionize associated trading, which starting from table both inside and outside credit business, successfully cheated large funds, even caused "big but not falling" phenomenon, that became a big problem of local economic development.The current commercial banking enterprise group client credit way is difficult to cover all the risks. Current credit way divides to individual credit and inner cooperation. Through analyzing the two credit ways, the paper concludes that the group client credit risk management level of individual bank is not sufficient to cover existing risks, and the commercial banks enterprise group clients have existed multi-end credits、excessive credit risk. This paper submits the attempt to solve existing problems of individual banking credit risk management, through establishing joint banking group credit risk management.This paper uses such methods as case analysis and standards research combination, literature review, comparative analysis, data collection, case analysis, and survey research to study risk management. Based on risk management theory, this paper focus on risk assessment, risk prediction and risk disposition; in combination with domestic and international risk management theory, this paper studies on commercial bank joint management of group client credit risk, which has progressive significance to accurately identify the enterprise group credit risk resulting from financial risks, discover the enterprise group’s shadow banking, effectively solve the excessive credit, guarantee strand breakage risk, prepare to resolve funding and enterprise clusters facilitate risk. This paper combines the first pilot work experience on joint management of enterprise group client credit risk of banks in China, and studies on the necessity and effectiveness of commercial bank enterprise group client credit management, which has theoretical significance to the banking supervision and management.The specific contents are as follows:Chapter One Introduction. It expounds research background, theoretical significance and practical significance, research contents and methods, literature review and innovation points.Chapter Two Theoretical basis and a literature review. Draw on the comprehensive risk management theory, theory of financial risk management and internal control theory. List the associated research directions and contents on enterprise credit risk management of domestic and foreign experts and scholars.Chapter Three Current situation and analysis of commercial bank enterprise credit. Describe the enterprise credit approval process of individual banks,based on risk integration framework; analyze problems and causes of enterprise group client credit risk management of individual banks.Chapter Four Joint credit management risk. Give management advices on commercial banking enterprise group credit business, analyze the relative advantages of joint management credit risk, and explain via some samples.Chapter Five Conclusion and prospect. Conclude that joint credit management constraints the influence of enterprise credit risk, and propose that joint credit management needs national linkage promotion and matching information system.Innovation points:First, point out that individual banks’weakness of group client credit risk management, research on new manners of risk prediction and risk disposition with the linkage of banks. Second, analysis on the combination of financial and non-financial information available, exploring new ways of credit risk identification, not only meet new requirements of real-time business, but also enrich commercial bank risk control measures.