Research On Credit Risk Management Of Commercial Bank Group Clients

From the perspective of financial risk management,this paper starts with a unified credit theory and conducts a survey on the creditworthiness of commercial banks corporate customers.It finds that some commercial banks still have many deficiencies in the construction of credit,and proposes targeted improvements.This paper analyzes the current status of credit risk management of commercial bank group customers and conducts a concrete analysis of the behavior of Bank A Suzhou branch,and applies a systematic analysis of the whole process to dealing with Bank A Suzhou Branch's problems,and gives personalized risk management suggestions.These suggestions and measures have certain reference and operability to various commercial banks.This article is based on the analysis of credit risk management status of China's commercial bank group customers.Based on the theory of unified credit and risk management integration of the group,it proposes a complete credit risk management system and a clear credit risk for each step to be taken and established.More comprehensive solutions and recommendations,such as credit systems that are considered in various aspects,are more general.At the same time,based on the case study of Bank A Suzhou Branch,this paper analyzes and applies the whole process of credit risk management for group customers,and believes that differentiated management and product configuration are used to improve data sharing and co-ordination,and to identify major risk reports and fuse mechanisms.Enhance the cooperation with peers and cultivate a culture of credit compliance risk are effective methods and measures that are more suitable for the characteristics of China's market economy and the status quo of the development and operation of commercial banks.The article draws lessons from the experience of Western advanced financial institutions,adopts practical multi-level indicators in business practice,builds a risk analysis model for quantitative analysis,and conducts actual financing decision applications and effectiveness verifications for A Bank's customer S Group,and believes that domestic commercial banks are crediting.It is imperative to use a risk control quantity analysis model that is suitable for its own business characteristics and risk control characteristics in risk management,and it is necessary to increase investment in development and continue to practice and improve.