Associated Companies Bank Credit Risk Control

In recent years,with in-depth reform of enterprises and intensified market competition,the corporate form of ownership and the mode of operation have also changed.The scale of the enterprise groups enlarge continuously.Property relations are increasingly diversifying and the number of affiliated enterprises is growing with different changes. Affiliated enterprises have their good side:they can facilitate scale management,reduce the uncertainty in the process and the transaction cost, and improve their market competitiveness.But affiliated enterprises have their "evil" side:the affiliated transactions may be against the interests of the other side,and undermine the market equitable basis. In the practice of bank credit,affiliated enterprises evading payment of bank loans through various channels are increasing,and threat the security of bank loans.If the phenomenon can not be constrained and controlled,it would trigger a systemic bank credit risk.But we should understand,on one hand,affiliated enterprises have their Concealment and complexity,on the other hand,China's current legal system has shortcomings and vacancy,which increase the degree of asymmetry of information between borrowers and lenders and the difficulty of the risk identification,making banks claims have no effective protection.The purpose of writing this thesis:credit risk and affiliated enterprises interaction theory and methods have important theoretical significance.It has important practical and economic significance for the bank to forecast,prevent,reduce,resolve and control the credit risk by affiliated enterprises;At the same time it is also useful for bank to increase the level to measure and monitor the credit risk,perfect the credit management system,provide research support,promote stability of the financial system operation and fair competition in the banking industry,adapt to the increasingly complex challenges of financial innovation and fierce competition,and improve the bank risk monitoring capacity and efficiency of the capital.In addition,it has also positive significance for bank to improve internal risk management mechanism and to constantly upgrade their ability to resist credit risks.This thesis is divided into five chapters.The first chapter is the introduction,including the theory review of bank's credit risk of affiliated enterprises.We give the opinion to the sectors according to the foreign and domestic definition and explain for the affiliated enterprises and credit risk.Then review the theory on credit risk and affiliated enterprises.In Chapter 2,the content is to analyze the cause and impact,point out the reason of affiliated enterprises producing,and analyze the relationship between the affiliated enterprises and the enterprise groups.The chapter explains the way to cause the credit risk by discussing the character and cause of the affiliated transactions.Then we analyze the impact of the credit risk between bank and affiliated enterprises,and summarize the problems of current bank credit management. In chapter 3,the thesis analyzes the asymmetric information and explains the game situation and behavior characteristic between the bank and affiliated enterprises by game theory.In Chapter 4,by learning from foreign experience we propose the concrete measures suitable to china to prevent bank's credit risk of affiliated enterprises.Chapter 5 is the conclusions.