Research On Risk Management Of Group Credit Business Of Y Bank Z Branch

Group customers generally have the advantages of "wide scope of operation,large scale of assets,leading position in the industry".Under the current situation that the main source of profits in China's banking industry still comes from the net interest margin,commercial banks often compete to market group customers in order to obtain more profits and occupy a larger market share.However,while group customers bring huge profits to commercial banks,their characteristics of "diversification of operation","complex ownership structure" and "frequent internal related transactions" also bring great risks to commercial banks.In recent years,with the long-term pain of domestic economic transformation and upgrading and the sustained slowdown of economic growth,the increasingly rampant international trade protectionism is exerting a far-reaching impact on domestic social economy.Y Bank Z Branch is the first-level branch of commercial bank.In the past,the asset scale has increased rapidly and the credit balance of group customers has increased year by year.However,with the emergence of internal business risks of group customers and the downturn of market economy,under the influence of internal and external factors,the credit risk incidents of group customers of Y Bank Z Branch occur frequently,and the risk management problems of group customers' credit business are also exposed.Under this situation,the risk management of group customer credit business has become the primary task of branch Z of Bank Y.Taking the risk management of customer credit business of Y Bank Z Branch Group as the research object,this paper expounds in detail the development status,risk performance and current risk management methods of customer credit business of Y Bank Z Branch Group,and systematically summarizes the problems and causes existing in customer credit business risk management of Y Bank Z Branch Group.A targeted solution to the problem is proposed.The present situation of customer credit business risk of Z Branch of Bank Y is rather severe.Its risk mainly includes five kinds: multi-head credit risk,excessive credit risk,inappropriate allocation of creditline risk,related guarantee risk and related transaction risk.However,the current risk management methods of Y Bank Z Branch for group customer credit business are relatively backward.In the process of risk management before,during and after credit,there are some problems such as imperfect identification system of group customer,unreasonable credit investment,backward credit management mode,extensive credit line management,imperfect post-credit management system and so on.There are many problems such as inadequate implementation of letter and approval,which are caused by three factors: macro environment,bank itself and group customers.In view of the problems existing in the risk management of customer credit business of Y Bank Z Branch Group,according to the overall optimization objectives and principles,this paper puts forward three aspects: improving the pre-loan identification system,strengthening the credit policy guidance,optimizing the credit management mode,strengthening the credit line management and improving the credit from the pre-loan,in-loan and post-loan aspects respectively.After the management system,the implementation of risk mitigation measures and other solutions,and from the risk line construction,training management team,credit behavior compliance,information system construction four angles put forward specific safeguards.This paper can not only provide an optimized scheme of group customer credit risk management for Y Bank Z Branch,reduce the group customer credit risk of Y Bank Z Branch,but also provide some reference for the innovation of the model of group customer credit risk management for Y Bank Z Branch.In addition,the paper can also provide some reference for other banking financial institutions group customer credit business risk management,and can also provide research cases for other banking financial institutions.