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近年来,随着我国经济快速发展,以资本为纽带的集团企业蓬勃兴起,在集团企业成为各家银行重点营销客户的同时,集团企业治理结构和内部控制不完善,关联关系复杂,信用状况参差不齐等问题给银行的风险管理带来了巨大挑战。本文以某省17家主要银行业机构对授信或贷款5000万元以上的大客户(主要为集团客户)为样本,就如何加强集团客户风险管理,有效防范、化解风险进行了探索和研究。
In recent years, with the rapid economic development in our country, the group enterprises with capital as the link have been booming. While the group enterprises have become the key marketing customers of the banks, the corporate governance structure and internal control of the group are not perfect, the relationship between them is complex, Problems such as misalignment pose great challenges to bank risk management. In this paper, a sample of 17 major banking institutions in a province on large clients (mainly group clients) with credit or loans of more than 50 million yuan is explored and researched on how to strengthen risk management of group clients and effectively prevent and resolve risks.