Research On Credit Risk Management From Enterprise Group Of GL Bank

With the development of economy and society,enterprise grouping is an inevitable trend.Enterprise Groups are favored by commercial banks because of their larger assets and greater social influence.But just because of their complex organizational structure,large scale,and strong influence,once the risk,it will cause great adverse effects.As a City Commercial Bank,compared with State-owned Commercial Banks and Joint-stock Commercial Banks,GL Bank has smaller assets,the risk tolerance is weaker,and the risk management system is not perfect,once occur credit risk,it will have a huge impact on the bank.Wherefore,it is particularly important to strengthen enterprise group client risk management from the source of credit.Based on the research of the credit risk theories,and the features and manifestations on credit risk of enterprise group client,this article analyzes the credit management status and process,the credit risk management methods and measures of GL Bank,find that there were many problems in credit risk management of enterprises group client of GL Bank,for example,inadequate recognition of affiliates of group companies before credit extension,lack of effective control measures over mutual protection of affiliates and difficult to accurately grasp the actual use of credit funds in credit extension,post-credit management is not standardized.I think the main causes of these problems are the inner cause,such as the deviation between business philosophy and risk concept,internal risk management lags,and the external cause,such as information asymmetry between banks and enterprise group clients,and Incomplete social credit system.Finally I proposes the measures to improving the credit risk management on enterprise group clients of GL Bank,for example,enhance the risk identification of enterprise group clients before credit,strengthen guarantee management and participate in syndicated loans in credit extension,strengthen the construction of early warning mechanism and compliance culture after credit.