随着我国经济的快速发展、竞争加剧和全球化进程加快,企业的集团化趋势日益明显。企业集团客户因其信用集中并且具有多种金融服务需求,不仅成为银行的高端客户,而且还可能成为信用风险的集中点。如何面对集团客户,这始终是困扰我们的一个现实问题。为此,我们近期对集团客户的贷款进行了调查,并重点解剖 With the rapid economic development in our country, the intensified competition and the acceleration of globalization, the grouping of enterprises has become increasingly evident. Because of their credit concentration and their multiple financial service needs, enterprise group customers not only become high-end clients of banks, but also may become the focus of credit risk. How to deal with group customers, this has always been a real problem for us. To this end, we recently conducted a survey of our group clients’ loans and focused on the dissection