Discussion On Group Credit Risk And Resolving Measures

The group clients have already became the key accounts of each banks,the group clients create benefits for the banks, meanwhile because of riskfrom inevitable aspects, there is also risk for banks credit。Thus, thebanks should have better credit management by risk assessment, valuecreation assessment and other tools, in order to reduce or avoid the risk,it should be the strategy for cooperation between banks and enterprise.As rentability organization, the commercial bank will meet various riskduring operation, although, the risk will not be eliminated by management,but could be prevented by efficiency management. In <Credit Risk ManagementGuide> released by Banking Regulatory Commission in Jun.2010, extends thegroup credit risk mgmt. scope.By studying the group clients credit risk mgmt., combined with currentcommercial banks credit practice, raised3operational risk mgmt. tools,in order to balance the credit risk and credit operation process.