Research On Optimization Of Credit Risk Management For Group Customers Of Z Bank Q Branch

Commercial bank is who gain profit from managing risk.The ability of risk management is the core competitive ability for a bank.This kind of risk includes a series of core risks such as credit risk?market risk ?operational risk and liquidity risk,whose system is complex and difficult to measure accurately.With the rapid development of banking business,credit risk and operational risk will become the most important risk which the commercial bank faces.On the other hand,enterprises tend to diversified investment in a variety of industries in China,which forming enterprise groups.These enterprise groups have strong capital,high credit rating and large financing demand,contribute high profit to commercial banks,so they are strongly welcomed by commercial bank and become the focus of bank competition.These enterprise groups often have complex capital structure and diversified business industries,and have special risks different from single enterprise.In this case,strengthening the risk management of enterprise groups is a task which brooks no delay.This paper starts from the research literature on credit risk of enterprise groups and combining the basic theory of credit risk and enterprise groups,summarizes the development process and current mode of risk management methods of enterprise groups in Bank of China Q branch,analyzes the current situation of the credit risk of commercial banks by using examples,and find the reasons for the credit risk of enterprise groups.In the view of system?implementation and external factors,put forward the optimization strategies preventing and controlling risks effectively.According to the case study in the bank of Z,Q branch,we find the main performance of enterprise groups risk including the infectious risk caused by associated guarantee,excessive credit risk caused by multiple credit granting,misappropriation of loan funds risk caused by the dummy of the loan borrower,risk exposure lag risk caused by providing loans to enterprise groups in other regions,concentration risk caused by the very centralized client structure,and financing fraud risk caused by too many related transactions.This paper analysis the reason of the above risk from the aspects of system?implementation and external aspects,suggest the following countermeasures: in the aspect of system,we suggest to improve the incentive and restraint system,establish an advanced system,set up appropriate economic capital,use derivatives to protect risks,build risk management culture,and improve the risk management of Bank of Z itself;in the aspect of implementation,we suggest to improve the employee's understanding of risk,strengthen the identification ability of enterprise group,strengthen the source of second repayment,pay attention to the associated guarantee,enhance the identification ability of related transactions and credit granting funds,and strengthen the post-loan management.