Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit

Research on Identify and Control Credit Risk of Group Client in Commercial Bank

Author HuaWei
Tutor ZhouBin
School East China Normal University
Course Business Administration
Keywords Commercial bank Credit risk Group's customers Risk Identification Risk control
CLC F832.4
Type Master's thesis
Year 2010
Downloads 201
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Company credit business commercial banks to create a major source of profit contribution from the profit angle , the Group's customers the benefits for banks is far greater than the single client . The Group has assets of large scale , capital strength , competitive market , financing channels and the bulk marketing costs low advantage , favored by the commercial banks , to become the focus of a number of commercial banks to expand the object . However , due to the Group's customers associated enterprises and more frequent , related party transactions , capital string with mutual guarantees more difficult , post-loan for the bank to increase . Individual the Group clients corporate governance and the modern enterprise system is not perfect , low corporate ethics and financial information is untrue , malicious taking of loans and evasion of bank debt , became the birthplace of the non-performing loans of commercial banks . Credit Practice in China 's commercial banks , the customers of the Group credit risk management has always been a difficulty. Firstly, from the theoretical point of view the presence of credit risk analysis of the Group's customers , and with the effective recognition technology from the practical point of view of the Group's customer credit risk identification ; then , depending on the credit risk , the risk prevention measures , especially for different types and the characteristics of the Group's customers should take a different combination of credit risk control , targeted , personalized credit risk control portfolio ; Finally, the case of two different types of customers of the Group . This paper aims to provide recommendations with practical application value for domestic financial institutions credit risk prevention .

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