商业银行集团客户信贷风险防范浅析.doc

商业银行集团客户信贷风险及其防范 ［才商要］当今时代，商业银行的利润来源从某种程度上讲就是依靠经营风险而来，而风险的 产生有多种原因，根据商业银行风险的表现形式可以分为信用风险、资本风险、流动性风险、 利率风险等等。其中商业银行面临的主耍风险毫无疑问的是信用风险。在我国，商业银行百 分之七十的收入是来源于贷款，许多基层贷款行的贷款集中度极高，贷款客户直接关系到商 业银行的生存。然而，随着我国经济发展，商业银行的客户群体重心由单一的客户逐渐转移 到以集团客户为主的各种关联性公司。集闭客户的发展极为迅速、规模相当庞大、资信程度 高、促进地区经济发展和产业结构升级的特点，自然的成为了商业银行营销拓展的R标和重 点。但是，正由于集团客户高收益高风险的这些特点，传统的信贷管理模式己经不能适应市 场变化和金融风险监管要求，要求商业银行不断完善制度建设和管理创新。 ［关键词］集闭客户信贷风险防范措施 The risk prevention analysis of Group customers in commercial banks [Abstract] Nowadays, the profit originates of the commercial bank in some way is from the risk. However, risk comes from various kinds of reasons. According to different commercial bank’s risks, the form of these riskes can be divided into serveral kinds, such as credit risk，asset risk，cash flow risk and interest risk and so on. Undoubtedly, the main risk of commercial banks is credit risk. In China，the 70 percent of banks’ income come from debts，and the debt of many ordinary commercial bank lacks variousity. At the same time, debts holders determine whether commercial banks will succeed. But, with the development of Chinese economy，The commercial banks’ focus of customers’ group has transferred from single customer to group customers. Group customers have the advantages such as more rapid speed of development，larger scale，higher credit level and more important role of local economic development and industrial construction updates. Naturally, they have become the aim of commercial banks’ retail business extention. Whereas, because of these high-risk and high-profit features of group customers，traditional debt managements can’t adapt to the market changes and the request of financial risk supervision. As a result, it is necessary for commercial banks to keep rounding construction of systems and innovation of management. [Key words] group customer credit risk prevention of credit risks 目录 TOC \o 1-5 \h \z 弓I胃 1 HYPERLINK \l bookmark2 \o Current Document \h 一、 我国商业银行集团客户信贷特点与现状 2 （-）集团客户行为存在主要特点 2 （二）我国商业银行集闭