Commercial Banking Group In Consumer Credit Risk Management Study

The modern market economy with the characteristic of risk is mainly made up of currency and credit resources. The financial system is the core of the economy. The commercial banks' importance therefore brings the risk in the economy, and then reflects on the most important risk in the whole financial system Credit Risk. In recent years, the corporate clients are highly developed. Theyare not only the sign of the local industria—lization and core competence, but also the main target customers for the banks. However, while bringing the banks great profits, there also exists credit risk. Yin Guang Xia, Lan Tian and some other scandals from the corporate have involved so many creditor banks and a huge amount of capital. The whole financial world in China was shocked. This phenomenon is due to the lack of management on giving credits to corporate clients, modified management system. Banks always take the size of the companies as a criterion for the risk judgment, prefer to give credits to corporate, which causes the centralization of the credits and wrong segmentation of the credit market. They don't take into consideration of the complicated stock holding information and the existence of the internal trade. The shortage of transparent information inturn causes the credit risk for the banks.Therefore, this thesis focuses on the research of corporate clients' credit risk of the commercial banks. The thesis defined the commercial banks' corporate clients in characteristics as well as in actual numbers, which is the logic starter for the discussion of the credit risk. In the process of research, author uses the common theory for commercial banks' credit risk, takes in the corporate clients as actual examples for the statement, analyzes the current situation, characteristic, harm, reason and China's2 soft environment for the problem and finally gives suggested measures that could be taken for the problem. Advanced foreign experience is also taken as reference for deeper analysis.The uniqueness and creativity of this thesis is mainly shown on two aspects: On one hand, the definition for corporate clients, the provision of a better suited definition for the reality. On the other hand, new measure suggestions for preventing and controlling corporate clients ' credit risk. Author suggests to build a corporate client information platform on the basis of the Bank Supervision Committee to distribute unified information.