Research On The Credit Risk Management Of Bank X Group

At present,Banking is facing with a more complex business environment with the increase of the downward pressure of China's economy and the variable economic situation Both at home and abroad,there are various risks and challenges which made the banking industry have to deal with the overall risk management.The research on the credit risk about group clients is getting more deeply with its occurrence probability and harm degree.On the one hand,commercial bank corporate governance structure is imperfect,Incentive and restraint mechanisms are not sound,the risk awareness of commercial Banks to group clients credit is relatively weak,the management system is not sound,bring to the phenomenon that the commercial Banks make loans to group clients accompany with long,excessive and inappropriate allocation of credit,risks for banks at last;On the other hand,the group client organization structure is complex and the number of the client group is great,credit standing is uneven,some of the group clients transfer assets or profits through related party transactions,asset restructuring internally take advantage of an unfair price between related party,caused the commercial bank can not recover the credit of the principal and interest on time,brings to the commercial bank risk.Therefore,it is urgent to strengthen the supervision and management of group customer credit business.Against this background,this paper takes X bank as the research object and systematically studies various aspects of credit risk management for group customers,hoping to provide some references for the practical problems faced by commercial Banks at present.Paper do one research on group customer credit risk management through the literature research method and analysis method.Based on the description of X bank group customer credit risk management status,found out the main question and analyze the cause from two aspects of internal management and external environment,this paper expounds the forming causes of the problem.At the end of the paper,specific countermeasures and Suggestions were put forward for the credit risk management of X bank group customers,including improving the quality of the group customers' pre-loan investigation,optimizing the group customers' credit approval system,and strengthening the group customers' post-loan management.