A Study On Credit Risk Control Of Bank's Group Customer

Bank is a special industry which manages the risk, the risk in some way is the profit originates to the commercial bank, the ability of risk management will be commercial bank's core competitive ability. In the future, the commercial bank which has the formidable risk management ability will win in banking industry competition. The credit risk is one of most ancient risks which the commercial bank faces, date of from the bank birth, the bank starts to gain the profit through to undertake the credit risk. Today bank loan still is the main form of enterprise financing, the difference income of save and loan still is the main income origin to the commerce bank. So in quite long period, the credit risk will be one of most main risks which the domestic banking industry must face.In recent years, along with the our country economic restructuring further, the economy developing fast and the body of investor multiplicating rapidly, the enterprise group which set up through capital link or the contractual relationship appears more and more. This enterprise group also becomes commercial banks'important expanding clientele. However, the credit loan the commercial banks give to the larger group customers is generally very big and centralize high, some even longs credit. Group customer itself have complex capital structure, operations diversified funds in different projects between regions and between flow, the group affiliated transactions occurred frequently, information asymmetric between commercial bank and enterprise group, so many reasons make the group's consumer credit have some special risks. Credit concentrate to enterprise group becomes a trend, it also makes the bank credit risk concentrate. So strengthening enterprise group credit risk management and prevention can't be delay.This paper study from the research literature of the group of customer credit risk, then analyze the group customer credit risk status of commercial bank with the basic theory of the credit risk and the group customer. Current the main credit risk of group customer have five performance: longs Credit and excessive financing; mutual insurance and related enterprises had taken the body empty; the credit funds loan and back together; disguised vacant bank claims; white wash financial situation, delaying exposure. In view of the group customer credit risk present, the paper on the multi- angles comprehensively analyze the reason which the group customer credit risk produces from the macroscopic credit environment, the microscopic silver business information symmetry, the bank own risk management and the social credit environment. According to the reason of the group customer credit risk, the paper unifies Internal Ratings-Base Approaches(IRB) which is new BASEL capital agreement's the core technology to control the bank risk, has constructed a feasible internal rating system to control the group customer credit risk. Finally, the paper proposes some possible operational policy suggestion to manage and control the present credit risk of group customer.