【摘要】 集团(关联)客户信贷风险植根于其致力关联扩张的行为特征及追求产融结合的财务管理模式。分析集团(关联)客户的运作特点及由其引发的信贷风险,从银行角度探索集团(关联)客户信贷风险的防控措施,提出在完善集团(关联)客户基础信息识别管理的基础上,强化集团(关联)客户的信贷总量控制与个案风险分析。更多还原

【Abstract】 Group account credit risk is deep-rooted in both correlation-expansion-concentrated behavior and the financial management mode featuring the integration of industrial capital and financial capital. This paper presents an analysis of the operating characteristics of group account as well as the credit risks arising from it, and provides some preventive measures against such risks. The author also holds that we should tighten control over its total credit and enhance case risk analysis on the basis of improving the identification and management of its fundamental information.更多还原