Research On Risk Management Of Commercial Banks For Group Customer Credit

In recent years,the international economic situation has changed rapidly.The domestic financial risk has been conducted to commercial banks' traditional credit business due to the economical transmission and adjustments,which brings heavier risk managements pressure to banks.To face the challenges as well as ensure the healthy and sustainable development of banking business,in combination with deepen supply-side structural reform,it is required to optimize the current credit structure and improve the risk management system.As one of the earliest commercial banks in Yunnan Province,Bank A has rich experience in group clients' business development,relationship maintenance and credit management.However,with the gradual change of market environment and the rise of business complexity,some problems have been exposed in the risk management of group clients credit business.Therefore,under the current situation,it is necessary and urgent to carry out research on how to optimize and perfect the risk management measures in order to consolidate the asset quality of banks.On the basis of referencing relevant journals,combined with the definition and characteristics of group clients,this paper analyzes the causes,forms and characteristics of the risk of credit business.It also analyzes the corresponding problems existing in the whole flow of commercial banks' risk management of the group clients credit business at present.Furthermore,it summarizes the shortcomings of Bank A in risk management.In addition,by analyzing the case of group client B,this paper puts forward the whole process management measures to establish the pre-credit identification system,improve the examination mechanism in the loan and perfect the after-loan management system.The measures and suggestions made in this paper is contributive to the domestic commercial banks in terms of the improvement of the group clients credit business risk management level.