Analysis Of Customer Credit Risk Management Of Commercial Banking Group

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 ostimportant one for banking risks management. Among these, the banking supervision has been paying high atention 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 claims. The article addresses the efective ways to identify, prevent and control the credit risks of corporate group client.The article contains four parts:First this article obtained from the analysis group customerconnotation and the extension, summarizes the group customer creditrisk characteristic, the analysis credit risk has had the deep levelbasic reason is the group customer legal person governs the structurenot to be perfect the result which, the social credit environmentflaw and the information symmetry and so on together did not affect.Next union work reality, emphatically analyzes the commercial bankgroup customer credit risk management present situation, and enters,the rating after the group customer, gives the letter, loans, the loanaspect and so on management and risk guard system points out itsexistence one by one the main flaw. Simultaneously acts according to the commercial bank group customerrisk guard the principle and the measure, proposed distinguishes tothe sole customer group customer credit risk recognition four methods. Specially emphasized the key analysis group customer interiorconnection transaction, the excavation connection transactionintrinsic information.Then from credit aspect and so on movement mechanism, risk assessmentmeasure evaluates in the west commercial bank risk management theprocedure, has pointed proposed in the group customer credit riskmanagement should profit from procedure.Finally proposed the commercial bank group customer credit riskmanagement new tentative plan, establishes risk manager, the creditexecutive officer's individual examination and approval, theindividual responsibility system replaces the present examination andapproval system, correctly utilizes the AROC optimization creditresources disposition, by the financial innovation advancement groupcustomer credit risk guard and so on many should to the measure.