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使用现代化信息手段,充分缓解因信息不对称导致的集团关联企业信用风险是商业银行急需解决的重要课题。本文提出了一种全新的集团关联企业风险管理模式,该模式依托数据仓库的海量信息处理能力,基于企业的关联关系、信贷行为、同业信息而构建,最终实现了关联群的自动化识别、生成和拆分,并通过预警模式的选择实现集团关联企业贷前、贷中以及贷后的全流程风险管理。这种模式使商业银行认识到集团关联企业的管理不应囿于某一个部门、某一家分行,而要从全局的角度、从流程银行的角度、从信息流管理的角度来对待,不仅是技术手段的改变,更是一次管理理念的转变。
The use of modern information means to fully alleviate the credit risk associated with the group affiliated enterprises caused by the information asymmetry is an important issue that commercial banks urgently need to solve. This paper presents a brand new group affiliated enterprise risk management mode, which relies on the massive information processing capacity of data warehouse, builds on the enterprise’s relational relationship, credit behavior and interbank information, and finally realizes the automatic identification, generation and Split, and through the early warning mode of choice to achieve the Group associated enterprises before loan, loan and post-loan risk management of the whole process. This model enables commercial banks to recognize that the management of affiliated enterprises in a group should not be limited to one branch or branch but should be handled from the perspective of the process bank and from the perspective of information flow management from a global perspective. Changes in means, but also a change in management philosophy.