The Research On Group Clients’ Credit Risk Management Of Commercial Banks

In recent years，in order to obtain high quality group clients, many commercial banksadopted a lot of preferential policies to attract a group client. In the group clients’ creditbusiness, however, there are many potential risks. These risks to commercial banks havebrought great hidden trouble. How to avoid the group clients’ credit risk is an urgentproblem in our country commercial banks. In this paper, the process of research was carriedout on the related literature summary with the theories analyzed. This paper discussed aproblem of bank credit business, and put forward strategies to improve the credit riskcontrol aiming to show other commercial banks the credit risk management for reference.This article altogether is divided into the following six parts:The first part is introduction. This part firstly introduced the research background andresearch status at home and abroad, and then put forward the research purpose, researchsignificance, research contents and innovation points.The second part is the theoretical basis of clients’ credit risk management. This partfirstly defined group clients, credit risk and related concepts defined. And then the theory ofasymmetric information and credit risk management theory were introduced.The third part is the analysis of the present situation of the commercial bank riskmanagement and characteristics of the group client. Concluded after analysis, thecharacteristics of the Chinese commercial banking group client credit had the followingseveral aspects: guarantee associated phenomenon seeming to be normal, credit and thecredit risk not matching, credit subject not agreeing with the main body that funds to beused.The fourth part introduced the factors that influences the group clients’ credit risk.After analysis we found the factors that affect the group clients’ credit risk mainly includethe industry risk, the group enterprise financial risk and multi-end credit risk. The fifth part combining with the actual case of CCB analyzed the credit riskmanagement.Firstly the basic situation SANY group was introduced, and then showed it ’s credit riskidentification, at last there was it’s credit risk evaluation.The sixth part is conclusion and policy suggestions. This part put forward thesuggestions that the commercial banks should control long credit and exceeded credit byreducing information asymmetry, strengthening credit review control system, strengtheningthe credit fund flow management and implementing effective post-loan risk control tocontrol the credit risk.