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本文在对集团客户的调查中,发现集团客户存在异地融资渠道多,新融资品种未在报表中反映、短贷长用的授信风险、长周期风险、市场环境的变化和主导产业收益率低的风险、项目贷款风险等,并就其主要风险点进行了进一步分析,指出银行要做好对集团客户总贷款额控制、加强集团客户资料的收集和分析、建立集团客户完整的客户群、督促集团客户要处理好规模和效益等问题,在寻求健康的前提下发展壮大。
In the investigation of the group clients, this article finds that there are many financing channels for the group clients in different places, the new financing varieties are not reflected in the statements, the credit risk for short-term loans, the long-term risks, the changes in the market environment and the low yields of leading industries Risk and loan risks of the project. The main risk points were further analyzed. It was pointed out that the bank should control the total loan amount of the Group’s customers, strengthen the collection and analysis of the Group’s customers’ information, establish a complete customer base of the Group’s customers, urge the Group Customers have to deal with the scale and effectiveness of such issues, seek health under the premise of growth and development.