商业银行集团客户授信风险的防范

Prevention for the risk in the credit to wholesale customers

集团客户具有关系复杂、范围不易界定、关联交易隐蔽、转移(传递)风险性强等特征,加之我国公司治理结构不健全,极易导致金融风险。商业银行应加大对集团客户授信业务的监管力度,明确集团客户范围,严格区分正常和非正常的关联交易,全面掌握企业关系及变化情况,及时调整和严格控制最高授信额度。

The characters existing in the credit to wholesale customers, of complicated relationship, uneasy confirmation of scope, concealed realated transactions and the strong transferability of risk, added by the imperfect corporate govemace, can easily lead to the financial risks. Commercial banks should give more attention to the supervision on the cridit to the wholesale customers, clearly define the scope of the wholesale customers, strictly distinguish the normal and abnormal related transactions be completely acquainted with the customers and any changes, and timely adjust and control the highest credit amount.