HS Group Companies Customer Credit Extension Business Risk Control And Prevention Research

Commercial bank in its operation and under the normal operation condition is facing multiple risks, and these risks something can be avoid, but some are unavoidable. In the current world financial field, especially in the nineties of last century, the outbreak of financial risks of commercial bank crisis, the related international field, has recognized such risks, and constantly tries to evade or improve the related matters. However, economic integration and financial global integration makes this kind of risk in the continuous spread, and the trend of broadening, the pound rate and the Bank of Bahrain as well as the Asian financial crisis in1998. Until in2008the Lehman brothers as a sign of many home banks bankruptcy of the American sub--loan crisis, eventually formed the European debt crisis in2011.These are reflected in the commercial bank risks and its supervision inseparable. In this regard, Basel protocol has been modified, made and corrected constantly, so as to adapt the development of the financial industry, also reflect adequately the specific management of the commercial bank risks.The credit management is the important contents of the bank risk management and also the key factors of the healthy development. The credit risk problem of the commercial bank displays the spearhead for the first time and shows the key point especially in recent years, the further study of this issue is particularly important and urgent. Under the background of the economic integration and financial global integration, the research on the commercial bank credit risk has stronger action of other financial institutions for reference, strengthening research on the commercial bank credit risk has an important application value, which is the favorable guarantee of survival and development of the commercial bank at present.Based on the PF commercial bank to the group customer credit business of HS Holdings (Group)Limited company, this article with the related theory of the collation and analysis, refinement of the traditional group customer credit business risks model, combination with the characteristic of the modern group customer credit business risks, through the establishment of group customer credit business risk measurement, the Credit Metrics model etc., combined true, effective data to group customer credit business of HS Holdings (Group) Limited company with the theory of the traditional group customer credit business and theory of credit business for the credit group customer, thus the evaluation basis has been put forward to the group credit business, and formed the prevention and measure for the credit business risks, Provide the reliable and realistic foundation of theory and practice for the credit business risk prevention of the commercial bank group customer in the future.