Prevent customer credit risk of the Group of Legal Studies

This paper studies the credit risk of our customers of the Group to prevent problems . The article attempts through the empirical analysis of the relevant cases , based on the existing legal framework and the commercial bank credit practice to conduct research related to legal issues in the Group Customer Credit Risk . Based on this concept , the paper is divided into four parts . Part I: Overview of Group Customer Credit risk . This section described the overall situation of the Group's customers in China in recent years credit risk . For the sound operation of commercial banks , for the effective supervision of commercial banks , and how to effectively prevent customer credit risk of the Group are of great significance . The second part : our the Group customer credit risk cause analysis . In this section , the article uses inductive logic . The first two cases , Lam Tin and Huaguang Empirical Analysis , pointed out two cases related to why the commercial banks suffered huge losses . Then, in conjunction with other relevant cases , the article summarizes the current of customer credit risk of the Group generated a number of reasons . Part III: the effective identification and control of risk for a single group of customers . In recognition of a single group of client risk , the article discusses the definition of a single group of customers to prevent customer credit risk of the Group . On this basis , the article discusses two aspects from the substantive features of the Group's clients and specific forms how to effectively define a single group of customers . In the control of a single group customers risk , the article discusses the existence of the defect to the capital adequacy ratio of the standard control customer credit risk of the Group , and the proportion of single risk limits management legal analysis . Part IV: Group Customer Credit guarantee of legal analysis . The paper first describes the overall situation of the Group Customer Credit guarantee , after the discussion of the legal effect of the Group Customer Credit Guarantee , bear the responsibility of the commercial banks in the guarantee contract is invalid and reasonable defense analysis .