Customers' Loan Risks And Countermeasures Of Commercial Bank Group

Agglomeration is a sort of economic organization form in economic development, and also a certainty offspring of socioeconomic development course. The quantity and scale of the agglomeration increase in company with the economical general adoption of the market principle. Agglomeration turns into bloc client when business transaction takes place with commercial bank.Bloc client is client of commercial bank just as singleness client. More and more singleness client developed into bloc client with the extending of market economy. Bloc client becomes to be the marketing subject of various banks because of it's predominance on brand effectiveness and repelling market risk. The loan scale of bloc extends with the development of bloc assets scale.Agglomeration is different with Monomer Corporation in property right boundary, benefit relation and transaction mode. Bloc client has enormous assets, powerful fund procurement ability, so it can postpone the exposure of risk by the bolt-hole of bank in cross opening account, overbought position credit granting." unweave east wall, patchwest-facing wall", some of them exchange fund frequently by split, conformity onpurpose in order to fabricate cash flow and borrowed prosperity. Still some bloc client escaped bank debt made use of its particularity in stock right structure when self-interest encountered with bank benefit by the way of atypical assets reorganization, associate dealt, and property right changing. With the outbreak of economic cases about "Lantian", "Longkai", "Delong", "Huaguang", the credit risk of bloc client and affiliated enterprise arouse abroad attention of various banks and supervision and control department. We should straight with bloc client credit risk admit of no delay.This article introduce the development history and research present status first,then analyses systematic ness particularity of credit risk from operating characteristic of bloc client. Consider that bloc client credit risk with more uncertainty, more occurrence as compared with singleness client. Article studies the theoretical source of the formative of bloc client credit risk base on theory of information dissymmetry; excavate the reality origin bloc client credit risk from threefold of bloc client, bank society. Consider that at first, the existence of operating risk in bloc client, moral hazard and system risk present result in credit risk; Second, the drop behind of instrument in information gathering , narrow information source , mistaken in recognition of bloc client result in the credit risk 'rose of bloc client. Thirdly, the imperfect society good faith constitution no more will result in bloc client credit risk. At last, article put forward systematical clue of optimizing bloc client precaution mechanism in allusion to the existent faults in current bloc client credit risk management of commercial bank. That is,Establish integral information system, cany out credit risk supervisory normalization; Construct perfect credit risk management circuit ;Erect risk compensation mechanism ; Erect bloc client credit risk early Warner system ; Optimizing loan structure ; Deepen reformation of personnel system and system of evaluation ;Optimizing exotic environment, strive for copartner ship of various square in society and so forth.