我国商业银行对集团客户的信贷风险,已经引起了广泛的关注。客观上,集团客户内部关联交易的复杂性和隐蔽性造成银企信息的严重不对称,银行事前很难掌握和监控关联交易的具体信息。同时,商业银行对于企业集团这一特殊客户群体的性质和地位难以界定,缺乏把握,针对其风险的信贷管 China’s commercial banks credit risk to group customers, has aroused widespread concern. Objectively, the complexity and invisibility of intra-group related party transactions cause serious asymmetry between banks and enterprises, making it very difficult for banks to grasp and monitor the specific information of related party transactions in advance. At the same time, the commercial banks are not sure about the nature and position of this special customer group of enterprise groups, lack of certainty and credit risk management