近年来,以企业集团为主的各种关联性公司得到了迅速发展,规模庞大、发展稳健的集团客户成为商业银行重点拓展的客户群体。然而在经济体制转轨时期,集团客户在给银行带来较大利益的同时,也隐藏着一定的授信业务风险。在单一客户授信中,授信风险考察的主要是授信总量的问题,授信 In recent years, all kinds of related companies, mainly enterprise groups, have enjoyed rapid development. The large-scale and steady group of group clients have become the focus groups of commercial banks. However, during the transition period of the economic system, the Group’s customers, while giving greater benefits to the banks, also concealed certain credit business risks. In a single customer credit, credit risk inspection is mainly the issue of the total amount of credit, credit