Research On Credit Risk Management Problems Of Group Customers In Z Bank

In recent years,China's GDP growth rate has declined annually.The Report on the Work of the Government(2017)clearly pointed out:"The projected target of GDP growth is around 6.5 percent",downward pressure on China's economy is still mounting.Along with the downward trend of economy,Credit risk incidents of commercial banks in Guangxi occurs frequently,especially in group customers of nonferrous metals,real estate,steel trade,wholesale and retail business.Problems in group customer risk management of Z bank have also been exposed.Such as weak group customer risk management,unconcern of compliance,illegal operations etc.As result,group customer credit risk management is becoming one of the problems needed to be solved urgently in Z bank.From the perspective of an employee of bank,this paper studies the group customer credit risk management strategies of Z bank,and presents improving measures for group customer credit risk management of Z bank.Firstly,on the basis of summarizing and analyzing relevant domestic and foreign research results,briefing the research ideas and methods,this paper introduces the main theories and measuring methods of credit risk management of commercial banks,the main characteristics of group customers'credit risks,the necessity,main contents and ways of group customer credit risk management.Secondly,according to the group customer credit risk management practice of Z bank,this paper analyzes the current situation,the organization structure,the main content,the main types of group customer credit risk management and management situation,and the practical management effect to find out key problems within.Finally,in order to solve the key problems above,this paper puts forward corresponding optimizing strategies for Z bank's group customer credit risk management by using domestic and foreign management experience for reference.