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随着金融危机的爆发,一系列集团客户先后爆发债务危机,银行信贷资产造成了重大的损失,同时信贷危机的出现也给我国的商业银行的发展带来了负面影响。由于我国商业银行管理存在缺陷,因此对于集团客户的信贷风险评估还比较落后。信贷风险若是不加以控制,很可能会给银行造成巨大的损失。本文主要就目前我国商业银行集团客户信贷风险及其控制进行了相关的研究分析,并对控制信贷风险的一系列措施进行了阐述。
With the outbreak of the financial crisis, a series of group clients broke out debt crises one after another, causing huge losses to bank credit assets. At the same time, the emergence of the credit crisis also had a negative impact on the development of China’s commercial banks. Due to the shortcomings in the management of commercial banks in our country, the credit risk assessment for the group customers is still relatively backward. Credit risk, if left unchecked, is likely to cause huge losses to banks. This paper mainly studies the current credit risk of commercial banks in China and its control, and elaborates on a series of measures to control credit risk.