Research On Credit Risk Of Affiliated Enterprise Clusters Of EB Bank

China's reform and opening up has promoted the sustained and rapid development of the domestic economy,hence China's banking sector has also met an unprecedented opportunity for development.The credit asset scale and debt scale of commercial banks have reached an unprecedented level.At the same time,the non-performing loan balance of commercial banks is also rising which results in a huge pressure on non-performing loan.The main regulatory indicator data of the forth quarter of 2015 released by China Banking Regulatory Commission show that the non-performing loan balance of commercial banking industry has risen to 12,744 billion yuan by the end of 2015,which has greatly increased 51.2%compared with the data by the end of 2014;and the NPL ratio is 1.67%which has risen 0.42%compared with that by the end of 2014 and 0.08%compared with that by the end of the third quarter of 2015.The data has been rising for tenth consecutive quarters.The rapid growth of non-performing loans have planted non-negligible hidden dangers for the orderly and healthy development of banking industry.In the growing number of bad credit customers,the affiliated enterprise cluster customers have occupied an increasing proportion due to their complex relationship,strong concealment and greatly involving amount of money.Therefore,it has a necessary practical significance to discuss the formation mechanism and risk prevention of the bad credit of affiliated enterprise clusters.Based on the comparison of credit management system of affiliated enterprise clusters in domestic and foreign banking industry and the author's experience summary of years' banking practice,this paper,combining with the bad credit cases of domestic EB commercial bank,is to analyze the form and development trend of customer credit risk of affiliated enterprise cluster under the current economic situation,which strives to find out the existing problems and loopholes in the credit management mechanism of commercial banks in China,and put forward the corresponding improvement measures and suggestions.