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Private Group's Corporate Credit Risk And Prevention And Control

Posted on:2009-03-28Degree:MasterType:Thesis
Country:ChinaCandidate:Y ZhaoFull Text:PDF
GTID:2199360272492913Subject:Finance
Abstract/Summary:PDF Full Text Request
At present the joint-stock commercial banks show weak risk-prevention consciousness on private enterprise group credit management. The phenomenon of multi-headed credit, excessive credit and inappropriate credit line distribution to private enterprise group is quite serious, meanwhile, the mechanism and organization of group-credit risk management are ineffective. In the face of a series of aspects shown by the private enterprise group such as complex investment partnerships, centralized financial control pattern and diversified investment, commercial banks hope to benefit from foreign banks' theory and experience relating to group enterprise and consider group enterprise's present development state to formulate an effective risk control mechanism. Based on the analysis of reasons for credit risk produced by private enterprise group, this thesis gives an explicit opinion and risk prevention and management measures in respect of improvements of the credit grant environment of private enterprise group and bank's risk management itself such as the formulation of credit customers entering standards, the establishment of a unified credit management mechanism, the intensification of credit supervision and evaluation, the networking of customers service managers , the increase of guarantee in form of syndicated loan and the installing of prevention clause in loan contract.
Keywords/Search Tags:Private group, Credit management, Risk prevention and control
PDF Full Text Request
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