Research On Credit Risk Management Of Commercial Bank Group Customers

In recent years,China's economic system continues to deepen the development,the economic aggregate is increasing day by day,the economic scale is expanding day by day,the diversified enterprise management mode,the centralized industry mode,all indicate that the economic development will tend to collectivate.Group customers are an important part of commercial bank's asset business.Listed companies and large-scale group company economic risks have case,group credit risk management problems that exist in the corresponding also revealed that the defect of management for commercial Banks and silver circ thinking and attention,to the commercial bank itself,group clients themselves,external regulators on group customer credit risk management,put forward the higher request.During the course of the development of the industry in recent years,the group clients exposure caused the debt crisis is not uncommon in the commercial bank,warning case behind all the commercial bank credit management mode of the group on defects there are different levels of technology and management,so how to optimize business bank group customer credit risk management strategy,and has certain practical significance.This paper from the Angle of commercial Banks to group clients,combining theory with practice,the research group of commercial bank,on the basis of customer credit risk management theory,with the bank of Z,S as the research object,to the actual bank operating as the background,through the bank of A group,in this paper,the Z,S specific cases in the group customer credit risk identification,measurement,control,monitoring,reporting five aspects of specific measures,around the bank of Z,S main form the credit risk of group clients,the introduction of A typical case analysis,and summarize the bank of Z,S in the group customer credit risk identification,measurement,control,monitoring,reporting,the problems of Corresponding to put forward in the group customer credit risk management optimization strategy.