交通银行哈尔滨分行集团客户授信风险防范研究工商管理专业论文.docxVIP

哈尔滨工业大学工商管理硕士学位论文 哈尔滨工业大学工商管理硕士学位论文 - - II - Abstract Due to the lack of reasonable recognition on group clients、imperfect legal person structure of commercial banks themselves, and unsound encouragement and restraint system, as well as the lack of necessary communicative system between commercial banks etc., the risk of credit granting does not decline. At present, for most commercial banks, there is still the trend of blindly widening credit granting scale and occupying market shares. It can lead to the accumulation of credit and the phenomenon of multiple and excessive credit granting, and eventually it can bring huge risks to commercial banks themselves. As a consequence, it has become an important subject that confronts commercial banks to enforce the supervision and management on granting credit to group clients. The subject of the thesis is the credit granting business on group clients of Harbin Bank of Communications. The thesis, in combination with actual experience in the management of credit granting business, researches the prevention of risks on granting credit to group clients. The thesis firstly defines group clients and credit granting risks and other relevant concepts, as well as elaborates the features of risks on granting credit to group clients. Secondly, it conducts specific analysis on the performance of risks on granting credit to group clients of Harbin Bank of Communications, and discovers that the appearance of risks can be mainly attributed to not only the external factors, such as the asymmetric information between the banks and enterprises, vicious competition within the same business, unsound credit situation of society etc., but also internal factors, such as the lack of effective ways to recognize affiliates and related enterprises of the same group, poor function of relevant systems in controlling risks, ineffective management after loan granting, short-term behavior driven by interests, ignoring fact finding but readily believing f