Research On Customer Credit Risk Management Of Nanning Branch Bank Of A Joint Stock Bank

Credit granting refers to commercial banks directly providing funds to non-financial organizations such as enterprise groups or enterprises,or guaranteeing the compensation and payment behavior that bank customers may have in part of economic activities.Since the reform and opening up,in order to achieve the purpose of decentralizing business risks and integrating business resources,more and more groups of enterprise organizations have emerged.Their strength and scale are the potential customers that the banks focus on and draw.However,due to the complex equity mechanism,property rights and financial relationships of the group companies,and the related transactions of the frequently hidden affiliated companies,the credit risk of the group customers is difficult to control.While bringing greater benefits to banks,it also poses a great risk to the bank's credit business.Therefore,it is necessary to effectively control the whole,strengthen the credit risk management and control of the group customers,and explore a practical and controllable new ideas and methods for group customers.A joint-stock bank is a bank with a high degree of internationalization in the domestic joint-stock banks and a large proportion of the credits of the group customers.In recent years,the proportion of the credit business of the group customers in the Nanning Branch has become higher and higher.Therefore,the A-share system The bank's secondary bank Nanning Branch(hereinafter referred to as AN Branch)has practical and theoretical significance as a research object.This paper first expounds the background,significance and innovation of the article.The results of the research on the risk management and control measures of the Group's credit business,as well as the related concepts of the Group's customers and their credit risk,were explained in detail,and the causes of the risks were explained in detail.This paper analyzes the current situation of customer credit risk management and control of A-shared bank Nanning Branch Group and its shortcomings.Finally,according to the two specific credit cases of A-share bank Nanning Branch,the risks and causes are analyzed.According to the above problems,the credit risk management strategies of the whole process of the A-share bank Nanning Branch before,during and after the process are carried out.optimization.Based on past research results and hands-on experience,this paper gives a detailed explanation and explanation of the credit risk of bank group customers,and proposes its own solutions,hoping to contribute to the improvement of credit risk management level of bank group customers.