近年来,各家银行逐渐加大了对集团客户的信贷业务管理,信贷企业相应采取了一定的规避措施,形成了“类集团”式的关联企业群。银行对此类关联关系管理相对较弱,同时随着经济下行,该类企业群暴露了较多风险。如何改善这种关联关系的管理,加强银行信贷风险控制,尤为值得关注。 In recent years, various banks have gradually increased the credit business management of group customers, and the credit enterprises have accordingly adopted some evasive measures to form a group of “affiliated companies”. Banks are relatively weak in managing such relationships, and as the economy downturn, these groups of companies expose more risks. How to improve the management of this kind of relationship and strengthen the credit risk control of banks is particularly noteworthy.