集团客户作为商业银行的授信对象, 组织结构复杂、关联交易隐蔽、风险预警信号滞后, 在股权上、控制人上存在的内部关联使其可能不按公允价格转移资产和利润, 通过不公平关联交易、内部成员互保、自身多元化经营等多种可能使商业银行极易对其多头授信和过度授信, 对银行资产质量构成较大威胁, 商业银行必须对集团客户进行总量控制的授信管理。

As the object for credit extension by commercial bank, Group customer has complex organizational structure, hidden related transactions, and signal lag of early risk warning. The internal correlation existing in equity and the controller may make it transfer assets and profits not at fair prices. Through the multiparty credit extension and excess credit extension provided by commercial bank like unfair related transactions, the mutual insurance of internal members, and self-diversification operation, great threat is posed to the asset quality of the bank. Thus, commercial banks shall manage the credit extension in amount over the group customer.

额度授信是商业银行控制集团客户风险的核心手段, 通过集团客户额度授信, 核定集团整体的额度总量, 对授信额度在集团各成员之间的分布做出详细安排, 达到对集团客户实施总量控制结构调整的风险管理目的广州英语翻译。

Amount credit extension is the core means for commercial banks to control the risk of group customers. Through the credit extension for group customer, the total amount for the group is  checked and verified, and the distribution of amount of credit extension among the members is arranged in detail to achieve the purpose of controlling the risk of re-structuring for group customer.

商业银行对一个单一客户的授信模式为: 对客户全面历史信息进行分析开展信用评级, 根据信用评级确定违约概率, 在违约概率的基础上测算客户能够承担风险的最高能力, 即客户信用风险限额。最终在风险限额的基础上, 统筹考虑商业营销策略、授信用途、期限、条件、风险点及银企关系等诸多因素做出商业银行的主观判断, 给出授信额度总量及使用方案的详细安排深圳翻译公司。

The credit extension mode for commercial banks for single client: analyze the comprehensive historical information of customer and conduct credit rating. Determine the probability of default according to credit rating, calculate the highest ability to assume risk based on the default probabilities, that is, the limits of credit risk for customer. The subjective judgment, total credit extension, and use scheme are arranged in detail combining factors of marketing strategy, credit extension use, duration, conditions, risk points and the relationship between banks and enterprises based on the risk limit.