Study On The Prevention Of Commercial Bank Credit Risks For Corporate Group Clients

There are three fundamental risks confronting current commercial banks, credit risk, operation risk and marketing risk.As credit business has been the main business for domestic commercial banks, credit risk management thus became the important one for banking risks management.Among these,the banking supervision has been paying high attention on the credit risks for corporate group client as the characteristics for its decisiveness and paroxysm as well as the possibility of causing great amount of bad asset.The article addresses the efective ways to identify,prevent and control the credit risks of corporate group client.Firstly this article starts with the connotation and extension of corporate group client, and summed up the basic characteristics of customers and credit risks of the special performance. Secondly by the realities of work the article will focus on analyzing commercial banking group client in credit risk management status, and find its presence in each of the major defects from access from customers, rating, credit, loans, post-lending management and risk prevention system.Special emphasis was focused on analysis of customers within the transactions, the mining association transactions internal information. And legislation related enterprises from the West, the credit mechanism, risk assessment and other measures are introduced in the article from Western commercial banks on risk management practices. Finally the article explores new ideas about commercial banking group client in credit risk management, ,proposes the establishment of the group customers matrices security related enterprises and the stock incentive mechanism, uses fuzzy theory to judge enterprise credit,, improves the post-lending Management, and so many other measures.