浅析商业银行集团客户风险管理

A Brief Analysis On The Conglomerate Risk Management Of Commercial Bank

随全球经济一体化的快速发展,企业集团已成为经济的重要组成部分,集团客户凭借规模优势和信用优势成为商业银行的重点营销客户。在竞争优质客户的驱动下,商业银行"垒大户"、多头授信的现象较为普遍。但由于集团客户股权关系复杂、行业经营多元化、财务透明度低、局部风险隐患不易监控,在当前经济金融形势复杂多变的情况下,集团性客户相对于单个客户,蕴含着更大的集群式风险,给商业银行风险管理带来较大的挑战。因此本文主要针对商业银行集团客户风险管理提出研究建议,从而最大限度降低集团客户风险带来的损失。

With the rapid development of economic integration,the conglomerate has become an important part of economy.Depending on scale and credit advantages,the conglomerate becomes the marketing target of commercial bank.Due to the competition of reserving high quality customers,the phenomena that commercial banks' credit funds overly concentrate on some industries or individuals has become general.Since the conglomerate always accompanied by a series of problems,such as the complex ownership,the diversification of management,the low financial transparency,and the difficulty of monitor partial risks,the conglomerate implies larger cluster risks compared with the individual customers,especially under the current economic situation.The risks will bring large challenges to the risk management system of commercial bank.To reduce the losses caused by the conglomerate,this paper will focus on studying the conglomerate risk management of commercial bank and giving suggestions.