| 商业银行集团客户授信风险的防范 |
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| 引用本文： | 孙艳明,刘利南.商业银行集团客户授信风险的防范[J].信阳农业高等专科学校学报,2006,16(2):55-57. |
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| 作者姓名： | 孙艳明 刘利南 |
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| 作者单位： | 1. 建设银行河南省分行,河南,郑州,450003
2. 建设银行河南总审计室信阳审计办事处,河南,信阳,464000 |
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| 摘 要： | 集团客户具有关系复杂、范围不易界定、关联交易隐蔽、转移(传递)风险性强等特征,加之我国公司治理结构不健全,极易导致金融风险。商业银行应加大对集团客户授信业务的监管力度,明确集团客户范围,严格区分正常和非正常的关联交易,全面掌握企业关系及变化情况,及时调整和严格控制最高授信额度。
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| 关 键 词： | 商业银行 集团客户 贷款 风险防范 |
| 文章编号： | 1008-4916（2006）02-0055-03 |
| 收稿时间： | 2005-11-10 |
| 修稿时间： | 2005年11月10 |
Prevention for the risk in the credit to wholesale customers |
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| SUN Yan-ming,LIU Li-nan.Prevention for the risk in the credit to wholesale customers[J].Journal of Xinyang Agricultural College,2006,16(2):55-57. |
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| Authors: | SUN Yan-ming LIU Li-nan |
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| Abstract: | The characters existing in the credit to wholesale customers, of complicated relationship, uneasy confirmation of scope, concealed realated transactions and the strong transferability of risk, added by the imperfect corporate govemace, can easily lead to the financial risks. Commercial banks should give more attention to the supervision on the cridit to the wholesale customers, clearly define the scope of the wholesale customers, strictly distinguish the normal and abnormal related transactions be completely acquainted with the customers and any changes, and timely adjust and control the highest credit amount. |
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| Keywords: | commercial banks wholesale customers credit risk prevention |
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