商业银行集团客户大额信用风险的管控

Management and Control of Large Credit Risks of Commercial Bank Group Customers

近年来,商业银行不断暴露大额集团客户信用风险,风险暴露后发现,银行在信贷客户早期介入普遍存在对集团客户隐性关联关系识别不清,导致贷款资金出现挪用、集团客户过度授信以及集团内部关联担保比例过高等问题,增大了银行风险化解的难度。本文针对集团客户隐性关联关系未有效识别所带来主要风险,剖析其中的原因,继而提出了识别隐性关联关系的有效路径,从而降低银行大额信用风险。

In recent years,commercial banks have continuously exposed the credit risks of large-value group customers.After the risk exposure,it was discovered that the early involvement of banks in credit customers was generally unclear on the implicit relationship of group customers,which led to misappropriation of loan funds,excessive credit granted to group customers and the excessively high proportion of related guarantees within the group,which has increased the difficulty of bank risk resolution.This article focuses on the main risks caused by the failure to effectively identify the implicit relationship of group customers,analyzes the reasons,and then proposes an effective path to identify the implicit relationship,thereby reducing the bank's large credit risk.