Research On Group Clients' Credit Risk Management Of Bank Of N

With domestic sustained economic growth, group client has been developing rapidly, and has the development trends of bigger asset scale, more affiliated enterprise, more comprehensive function, which plays a active role for promoting the development of provincial economy.apital market development history is shorter, and financing function is limited in China, the credit from banks have become the important financing source for group clients. After trans-regional and listed operation, due to expansion needs and intense competition, domestic small and medium-sized commercial banks have investing more and more credit fund for group clients. But along with bringing interests, the group clients hide great risks for small and medium-sized commercial bank. During the credit supply process of small and medium-sized commercial banks, on the one hand, because of its own smaller business, capital safety problem which trigger from credit centralized sticks out increasingly; on the other hand, lacking of advanced risk management techniques of large-sized banks, it is difficult to identify group credit risks. So to strengthen group credit risk management is particularly important for small and medium-sized commercial banks.Based on the Bank of N as the main research object, combining the present situation, this thesis analyses the causes of group credit risk, proposes strengthening credit risk management measures of group clients for small and medium-sized commercial bank by case analysis method and combination of discussion and demonstration. The paper is composed of six parts for five chapters and the conclusion.The first chapter briefly introduces the research background, the significance of strengthening the credit risk management of group clients for small and medium-sized commercial bank, the domestic and international research development statues, which leads to the main research content and methods of the thesis.The second chapter, from the credit risk management organization structure, the customer management, credit rating and credit management model of group clients, combined with group credit business, it introduces the status quo of group client credit risk management on Bank of N.The third chapter selects A, B and C three meaningful and targeted groups case to analyze group customer credit risk deeply, then summarizes the credit risk exposure of group clients, to provide the basis of research on the causes of group credit risk and put forward risk controlling measures.The fourth chapter, according to three group case, it analyzes the causes of group clients' credit risk on Bank of N, containing internal reasons of the bank and the problems during development process of group, also from external reasons, such as current supervision, social credit system, etc..The fifth chapter, aiming at group clients' credit risk management problems of Bank of N, it puts forward the group clients' credit risk management measures of small and medium-sized commercial bank, including two measures of coping with and monitoring credit risk.The conclusion, it also summarizes the work of the thesis, proposes the conclusion and prospects about the future research work.