Research On Credit Risk Control Of Group Enterprise Customers Of Bank Of China X Branch

Credit business is not only an important part of the financial business of commercial banks,but also the main source of profits of commercial banks.The scientific development of credit business risk control can promote the stable operation of credit business of commercial banks,scientifically control the non-performing rate,and then help commercial banks coordinate credit resources and serve more enterprises.Under the background of more fierce competition in the credit business market,the operation and development of some group enterprises is difficult.Due to the large number of customer branches of group enterprises,showing the characteristics of wide business scope,complex organizational structure design and uneven credit status,the non-performing rate of credit business of group enterprises continues to increase,which poses a new challenge to the risk control of credit business of commercial banks.Fundamentally speaking,the control level of credit risk will directly affect the risk control level of credit business of group enterprises.The most basic link in the development of credit business is to determine the credit line according to the financial data,credit investigation and collateral owned by the group’s customers,so that the credit risk can be controlled scientifically,and the risk control of the group’s customers’ credit business will get twice the result with half the effort.Under the background of more fierce competition in the credit business market,the non-performing rate of group enterprise customers of Bank of China x branch has increased rapidly,the scale of non-performing loans has continued to increase,and the marketization of interest rate and the limited development of interbank business have led to the decline of the comprehensive interest rate of Bank of China x branch.On this basis,the scientific development of credit risk control for group enterprise customers is imperative.Although x branch of Bank of China has strengthened its attention to credit risk control for group enterprise customers in recent years and continuously optimized and upgraded the risk control system and process,there are still some deficiencies in credit risk control for group enterprise customers,which hinders the all-round development of credit business of X branch of Bank of China.When the operation and development of X branch of Bank of China is facing more severe challenges,the credit risk control of group enterprise customers of X branch of Bank of China has seriously restricted the sustainable development of credit business.Therefore,Bank of China branch x needs to conduct a comprehensive analysis on credit risk control,accurately identify risks,analyze causes from multiple angles,and form a credit risk control system for group enterprise customers in the whole process.This paper will analyze the credit risk of group enterprise customers,analyze the causes from three aspects:before,during and after credit,put forward corresponding risk control strategies and safeguard measures,solve the current problem of credit risk control of group enterprise customers of Bank of China branch x,further improve the level of credit risk control,and bring help to the scientific construction of credit risk control system.Based on the comprehensive risk management theory and academic research results on credit risk management,this paper summarizes the current situation of credit risk control of group enterprise customers of Bank of China x branch,and comprehensively analyzes the credit risk and causes of group enterprise customers of Bank of China x branch in combination with the interview method.It is found that although Bank of China x branch has paid more attention to the credit risk control of group enterprise customers,However,the credit risk of group enterprise customers occurs frequently and the risk control work encounters difficulties.Combined with the credit risk and causes,this paper puts forward the optimization strategy of credit risk control of Bank of China branch x from the perspectives of pre credit,during credit and post credit.In order to ensure the credit risk control effect of Bank of China branch x,from the aspects of information technology,human resources This paper puts forward the guarantee measures for the credit risk control of group enterprise customers of Bank of China x branch from the perspective of corporate culture,and is committed to comprehensively improving the credit risk control level of group enterprise customers of Bank of China x branch,so as to obtain new opportunities for the development of group enterprise customer credit business.Under the background of more fierce competition in the credit business market,the credit risk control of commercial banks has attracted more attention again,the credit risk has been fully controlled,and the credit business risk control level of commercial banks will be greatly improved.This paper analyzes the credit business risk of group enterprises of Bank of China x sub branch,summarizes the reasons,and puts forward countermeasures,suggestions and safeguard measures for credit risk control of group enterprise customers,It will be helpful for Bank of China branch x to reasonably allocate credit business resources and strengthen strategic cooperation with group enterprise customers.Credit risk control will enable the financial business development of enterprise groups to obtain new opportunities and further improve the operating strength of group enterprises.Through this research,the credit business development of group enterprise customers of Bank of China x branch will obtain new opportunities,and the non-performing rate of credit business of Bank of China x branch will also be effectively controlled,which is of practical significance to Bank of China x branch.The credit risk of group enterprise customers of different commercial banks is different,and the specific causes and control strategies are also significantly different.The credit risk control strategy of group enterprise customers proposed in this paper combined with the current situation of Bank of China x branch can also provide experience for other commercial banks to carry out credit risk control of group enterprise customers.Therefore,this research also has certain industry value.