商业银行集团客户信贷风险溯源及防范机制优化

Credit Risk Sources and Prevention of Business Customers for Commercial Banks

接连不断的集团客户事件警示我们在理论指导下系统研究集团客户信贷风险。本文从集团客户自身经营特点剖析了其信贷风险的系统性特质,并认为与宏观经济、行业系统性风险相比,集团客户系统性风险更具不确定性、多发性。根据集团客户信贷风险来源,论文基于信息经济学论证了集团客户信贷风险实质,针对商业银行集团客户信贷风险管理缺陷,提出了系统的具有实践操作性的集团客户防范机制优化思路。

Frequent incidents regarding business customers require researching their credit risk based on relevant theories.This article analyzes the system characteristic of business customers' credit risks based on their operation features and maintains that their system risk tends to be more uncertain and frequent than macro-economic and industrial risks.This paper studies the nature of business customers' credit risk based on information economics and proposes operational risk prevention mechanism through analyzing the management deficiencies of business customers' credit risk.