Research Of Credit Risk Management In Bank C's Corporate Clients

As a group of enterprises with high profits and strong assets,group customers have always been the leaders of various industries,favored by banks.With the development of domestic market economy,many enterprises have gradually evolved from a single enterprise to an enterprise group,and the business of the group has become more and more diversified,with subsidiaries all over the country and even around the world,which makes it more difficult for commercial banks to clearly and comprehensively judge the situation of enterprises when applying for credit.In the credit business,banks are prone to fall into the misunderstanding of blind superstition of large group enterprises,and lack of understanding of the operation and internal control risks of group customers,and easy to ignore their industry risks and policy risks,leading to the frequent occurrence of the phenomenon of reducing the requirements for the corporate group credit business.In recent years,the group customer debt crisis is frequent,and the debt risk presents chain and sudden,which reflects the weakness of commercial banks in the control of group customer credit risk.It is necessary to take effective risk prevention and control measures and strengthen the bank's credit management of group customers to ensure the safety of credit funds and the stable development of the financial industry.This paper first identifies and defines the group customers,analyzes the credit risk mechanism of group customers through three aspects of credit scope,risk causes and credit risk characteristics,and then obtains the risk theory of group customer credit.This paper analyzes the credit customer composition,risk situation and risk prevention measures of Bank C,and then uses the overall credit and sub credit of Group K customers The company's credit is taken as an example to analyze the group's potential risks in the credit from the perspectives of operation,finance,management,etc.According to the case,combined with the existing risk system,the company makes a multi angle analysis,puts forward the corresponding risk control measures,puts forward the countermeasures and suggestions for the group's customer credit risk management,and strengthens the follow-up management of the group's customer line credit.