近年来,随着农凯、德隆、科龙等国内著名集团公司的轰然坍塌导致商业银行巨额信贷资产损失的事实,使银行业认识到集团客户在给银行带来较大收益的同时,也隐藏着巨大的风险,而且风险一旦暴露往往使银行损失惨重。本文试从集团客户的信贷风险成因入手,探讨如何防范集团客户的信贷风险。 In recent years, with the collapse of such well-known domestic group companies as Nongkai, Delong and Kelon, the fact that the huge credit assets of commercial banks have been collapsed has made the banking industry realize that the Group’s customers bring greater benefits to the banks as well as Hidden huge risks, and exposure of the risk often make the bank suffered heavy losses. This article tries to start with the credit risk of group customers and discusses how to prevent credit risk of group customers.