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1、AbstractGroupcustomersgenerallypossessalargeamountofassetsandalotofinfluentialcapitals,theircompetitivenessarestronger,creditsarerelativelyhigh,therefore,groupcustomersareattractivetothebanks,anditbecomesatrendthatbankloanshasbeenheavilygiventogroupcustomers•I
2、nrecentyears,commercialbanksregardgroupcustomersaskeymarkettargetsagainsttheneedofcostcontrol,profitearningandriskmanagement.Banksmakecreditcentralizedtobigenterpriseandbiggroupcustomers,theproportionofgroupcustomers^loanisrisingconstantly,however,alotofgroupc
3、ustomershavecomplicatedstructureandlowefficiencywithadministration.Theirbusinessdeviatefromprimaryscope,andtheyoftenruninternaltrades,appropriatefundsbetweeneachother,andguaranteeeachotheragainstbankloans,applybankloansindifferentnames,violateregulations.Oncem
4、acroeconomicconditionschange,theirchainoffundsmaybebroken.Bankshavebeenchallengedagainstthemanagerialabilityofgroupcustomers9creditrisks.Relevantrisksarebeingstrengthenedconstantly,andtheseriskswouldbringcommercialbankstoadangerousedge.Withthecurrentsituationo
5、fgroupcustomers9creditrisks,thispaperplanstoanalyzetheformandreasonofgroupcustomers9creditrisk,proposethatcommercialbanksshouldstandardizegroupcustomers5creditprocedure,setupgroupcustomers'riskwarningsystem,strengthenoutsidesupervision,optimizecreditenvironmen
6、t,etc.,ultimatelytoraisemanagementlevelofgroupcustomers'creditrisk.KeyWords:Creditrisk;groupcustomers;riskprecaution;policyrecommendations摘要IABSTRACTII插图索引VII附表索引VIII第1章绪论11」选题背景及意义11.1.1选题背景11.1.2实践意义11.2文献综述2121国内相尖研究31.2.2国外相尖研究61.3相尖概念界定71.3.1企业集团71.3.2集团客
7、户81.3.3集团客户授信业务风险81.3.4尖联交易和尖联方91.4本文的研究方法及基本思路9第2章商业银行集团客户授信风险防范理论基础102.1资本结构理论与银行资产组合风险102.2成本劣加性理论与经营成本上升风险122.3外部性理论与外部性冈险132.4信息不对称理论与道德风险15第3章商业银行集团客户授信风险特征与冈险成因183.1集团客户授信冈险特征183.1.1偏离主业盲目扩张203.1.2多头授信过度融资203.1.3相互担保连环套贷223.1.4尖联交易长期占款233.1.5道德缺失违规操作243
8、.1.6财务造假恶意骗贷253.2集团客户授信冈险产生的原因253.2.1企业经营行为因素253.2.2银行信贷管理缺陷26第4章商业银行典型集团客户授信风险微观解剖294.1典型集团客户的选取294.1.1德隆集团的基本情况294.1.2庞大的投资体系304.1.3德隆的资金来源及运作模式364.1.4德隆军团的资金链情况404.1.5德隆资金危机产生的根
