Credit concentration of a single group customer = total credit of the largest group customer/net capital × 100%.

Interpretation of indicators:

The maximum total credit of group customers refers to the total credit of the group customers with the highest total credit at the end of the reporting period.

Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and non-use.

Group customers refer to the credit recipients of enterprises, institutions and commercial banks with the following characteristics:

1) directly or indirectly controls or is controlled by other enterprises and institutions in equity or business decisions;

2)*** is controlled by a third-party enterprise or institutional legal person;

3) Directly or indirectly control major investors, key management personnel or their close relatives (including immediate relatives within three generations and collateral relatives within two generations);

4) There are other related relationships, which may not transfer assets and profits according to the principle of fair price, and the commercial bank thinks that it should be a group customer for credit management.

Second, introduce the credit concentration of single group customers.

The credit concentration of a single group customer, also known as the credit concentration of a single customer, is% of the total credit and net capital of the largest group customer. This indicator is a first-level indicator, including a second-level indicator of the loan concentration of a single customer; The loan concentration of a single customer is the ratio of the total loan of the largest customer to the net capital, which should not be higher than 10%. At present, the two indicators of rural banks are 10% and 5% respectively.

Three. Introduction of credit concentration of single group customers

The credit concentration of a single group customer is also called the credit concentration of a single customer, which is the ratio of the total credit to the net capital of the largest group customer and should not be higher than 15%. This indicator is a first-level indicator, including a second-level indicator of the loan concentration of a single customer; The loan concentration of a single customer is the ratio of the total loan of the largest customer to the net capital, which should not be higher than 10%. At present, the two indicators of rural banks are 10% and 5% respectively.

4. Does the loan concentration of a single customer include investment?

The credit concentration of a single group customer is also called the credit concentration of a single customer, which is the ratio of the total credit to the net capital of the largest group customer and should not be higher than 15%. This indicator is a first-level indicator, including a second-level indicator of the loan concentration of a single customer; The loan concentration of a single customer is the ratio of the total loan of the largest customer to the net capital, which should not be higher than 10%.