Research On Credit Risk Control Of Private Group Customers Of K Branch Of X Bank

With the development and change of economy and society,group customer has become an important role of market economy.Due to its large scale,significant industry benefits and strong market competitiveness,group customers naturally become the marketing focus of commercial Banks.However,in recent years,in the context of complex economy,group customers,especially private group customers,frequently encounter risks,which lead to a gradual increase in commercial banks suffering from huge credit risk losses.Research on the identification and control of customer credit risk of private groups is an important part of commercial Banks' non-performing loan prevention and asset quality control.To strengthen the commercial bank private group customer credit risk identification and control,through literature review,case analysis and investigation,to combine qualitative analysis with quantitative analysis,with K branch of X bank credit business risk as the research object,the present situation and existing problems and reasons in F private group co.,LTD are analyzed.The K branch private group customer credit business risk characteristics are revealed.In view of the increasing risks of large credit granting to private group customers,this dissertation proposes specific countermeasures to optimize the risk identification and control of private group customer credit granting business from the aspects of management mechanism,process operation,system application,compliance management,etc.Strengthen loan review and loan management,and identify credit risk through professional review;Strengthen post-loan management and improve the refinement level of post-loan management;Strengthen scientific and technological enablement,improve the intelligence level of risk early warning system;We will strengthen compliance management and improve the business capabilities of bank credit practitioners.X bank is a large joint-stock commercial bank in China.Taking K branch of X bank as an example,it is of certain theoretical and practical significance to study the problem of customer credit risk control of private groups and provide theoretical analysis and practical reference for the prevention of customer credit risk of commercial Banks.