商业银行集团客户授信风险的管理.doc

PAGE PAGE 45 商业银行集团客户授信风险的管理 摘要 随着我国经济的不断发展，很多企业都朝着企业集团的方向发展。企业集团由于规模较大、效益好的特点，往往成为了商业银行的优质客户。 但是近年来，很多企业集团都出现了各种各样的问题，这些问题暴露了商业银行集团客户授信业务的风险。一方面，集团客户的授信业务能够给商业银行带来巨大利润，但另一方面，授信业务风险的破坏力也同样不可忽视。如何管理集团客户的授信风险并采取合适的应对措施对我国商业银行持续稳步的发展具有重要意义。 本文通过已有的研究成果，首先对商业银行集团客户以及集团客户授信进行了定义。然后对集团客户授信业务风险的定义和特点进行了分析。通过对国内外商业银行集团客户授信业务风险管理现状的分析，总结授信业务风险的成因。在分析了授信业务风险管理的难点之后，研究出国外商业银行在风险管理方面值得借鉴的先进经验。最后对相关风险管理的案例进行分析并提出了集团客户授信业务风险管理的对策建议。 希望通过本文的研究能对商业银行授信业务风险控制理论做出贡献。 关键词：商业银行；集团客户；授信业务风险；风险管理； 案例研究 ABSTRACT With the continuous development of our economy, many enterprises develop towards enterprise groups. Because of big scale and good benefits, enterprise groups become the valued customers that are snatched by commercial banks. However, many enterprise groups have various problems in recent years which reveal risks in group customer credit-committing business of commercial banks. On one hand, group customer credit-committing business can bring huge profits to commercial banks, but on the other hand, its destructive effects are also not overlooked. How to organize risks in group customer credit-committing business and take proper measures have the significant influence on the sustainable development of commercial banks. Through the existing research results, this paper first defines group customers and group customer credit-committing of commercial banks, and then makes an analysis to the definition and characteristics of risks in group customer credit-committing business. What’s more, this paper concludes the reason of its risks with the analysis to the current situation of group customer credit-committing business in domestic and international commercial banks. After analyzing difficulties of organizing credit-committing business, this paper studies advanced experience that is worth learning in risk management of domestic and international commercial banks. Finally, this paper analyzes some cases related to risk management and provides some suggestions on risk management of grou