Commercial Bank Group Customer Credit Risk Management

Commercial banks play a vital role with the economic and social development in our country,becoming irreplaceable on the national economic lifelines and economic security.commercial bank’s management process faces so many kinds of risks,such as the country risk,the market risk, the interest rate risk,credit granting risk, the operation risk,of which credit granting risk is undoubtably the most important,it is always the focus of the commercial bank.Credit granting risk management has become the key issue on the sound development of the commercial banks,Especially with the rapid development of enterprise groups, the transactions in the inter-group come into its own gradually,taking advantages of related party transactions to defraud the bank financing,funding strings and mutual guarantees and etc,such cases take place ceaseless.so that commercial banks and regulatory agencies face a huge challenge regarding the risk management. It is an important task of commercial bank how to control effectively and keep away the credit granting risk.As the credit granting business of commercial bank, the process of the initiation, the verification, the issue of credit and the successive management has special requires on the growth of the business and risk control of commercial banks. Therefore it is very necessary and meaningful to analyse the Group credit business generally.Theoretical Study on Credit Risk Management at home and abroad, this paper summarized Research on credit risk management at home and abroad, and to define the credit of commercial banks and customers of the Group theoretical concepts, and listed some of the commercial banks business credit business the status quo, and thus causes of commercial banking group in the customer’s risk analysis, analysis from different angles of the Bank, our customers, regulatory authorities and the social credit system, and ultimately put forward countermeasures on commercial bank risk management, this study for commercial banks Group Customer Credit has great significance.