集团关联客户授信风险及防范措施分析

发布时间：2018-04-03 02:11

本文选题：关联企业　切入点：信贷风险　出处：《苏州大学》2014年硕士论文

【摘要】：随着经济的高速发展，企业的规模逐渐变大，它们逐步向纵向一体化和横向一体化发展，就出现了不少集团性企业，而且逐步成为各家商业银行重点营销的目标客户，，商业银行不断增加对此类客户的信贷投向。关联企业某种程度上为商业银行带来了较为稳定可观的利润，但是另一方面也会带来较大的风险，加之集团客户的信贷风险具有突发性、连带性、扩散性等特点，所以给各家商业银行带来了巨大的经济损失，同时为商业银行的信贷管理和监管当局的风险监管增加了难度。本文试图结合集团客户授信风险工作实际，剖析集团客户授信风险表现及其成因，并结合目前国内的现状，通过研究学习国外银行的一些先进做法，从而找出集团客户风险防范及控制的相应对策和解决方法。
[Abstract]:With the rapid development of economy, the scale of enterprises has gradually become larger, and they have gradually developed to vertical and horizontal integration, and many group enterprises have emerged, and gradually become the target customers of the key marketing of commercial banks.Commercial banks are increasing their credit exposure to such customers.To a certain extent, affiliated enterprises have brought relatively stable and considerable profits to commercial banks, but on the other hand, they will also bring greater risks, and the credit risks of group customers have the characteristics of sudden, joint and diffusive, etc.Therefore, it brings huge economic losses to commercial banks, and increases the difficulty for the credit management of commercial banks and the risk supervision of regulatory authorities.This paper attempts to analyze the performance of group customer credit risk and its causes, and study some advanced practices of foreign banks through studying the current domestic situation, combining with the actual situation of the group customer credit risk work, and analyzing the causes of the group customer credit risk performance.To find out the group customer risk prevention and control of the corresponding countermeasures and solutions.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.4

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