| In recent years, with the ever-increasing economic development in China, the risks from economic activities will also continue to increase, which will bring great threat to the normal operation of Chinese economy. Because the degree of economic financialization is deepening, financial risk has definitely become one of the most important components in economic risk.Commercial banks play a leading role in China’s financial system, and therefore the financial risks have an important effect on commercial banks. As a core business in commercial banks, the credit business’risk (credit risk) has also become one of the main risks faced by commercial banks.At present, the number of group clients in commercial banks is increasing and they play a very important role in profitability for commercial banks. Because group clients have significant advantages in asset size, social reputation and operations performance, commercial banks have provided and will continue to provide plenty of credit capital to group clients. However, due to credit management on group clients still lacks of corresponding specification, commercial banks would probably undertake huge losses once some problems in group clients happen.Based on such context, this thesis analyzes the problems about credit risk faced by a commercial bank, Mingsheng Bank, from three aspects of bank, enterprise and macro policy. Then management measures of and solutions to solving those problems are put forward in this thesis.It’s a long way to go in risk management for commercial banks in China compared with that in western countries. With social progress and economic development, much higher requirements on risk management will be faced by commercial banks. Hence the result of this thesis, based on the theories of modern risk management and group client credit risk management, will provide theoretical and practical reference to the development of financial risk management in China. |
