Syndicate Credit Risk And Management In Commercial Banks

As Chinese economy and financial globalization and integration, the emergence of a group of domestic large and powerful group of large enterprises, these enterprises account for the majority of the Group's market share, but also become a domestic commercial banks chase focus groups. However, as Chinese commercial banking group in customer credit business rules is not very perfect,identification, measurement, monitoring and controlling credit risks enterprise group is weak, and the existence of credit in the more serious information asymmetry problems, easily result in long credit, excessive credit, to commercial banks safe and sound operation of major risks remain.At present, resulting in Chinese commercial banking group in the reasons for customer credit risks of complex and complicated, from the group to analyze the customer point of view: its corporate governance structure is not sound frequency of non-fair related-party transactions and finance is the major cause of serious false; from the perspective of commercial banks in analysis: Group's customers with loan pre-and post-loan information on asymmetry of information between commercial banks, blocking and vicious competition, banking credit system, imperfections and external supervision are the main reason for such absence.Customer credit risk on the Group's control is a systematic major projects: the construction should be complete disclosure of customer information platform for the group to address the commercial banks and the Group of asymmetric information between enterprises; build syndicated credit model, hosting a clear line, agents and participating in duties and responsibilities of the line, thoroughly implement the "information sharing, independent examination and approval, autonomous decision-making, risk-sharing" principle, to enhance information sharing among banks; sound commercial bank credit risk control system; building a joint interaction of internal and external co - monitoring platform, and so on. From the multi-level, multi-angle on the Group's customers to guard against the risk of credit business in order to achieve commercial banks, safety, liquidity and profitability objectives, to achieve rapid and healthy development of Chinese commercial banks.