Group influence is integral to the credit quality of many financial institutions. Group influence can either be positive support or negative intervention, and it can come in two forms – ongoing influence or extraordinary influence. An entity’s stand-alone credit profile (“SACP”) typically incorporates a group’s ongoing positive or negative influence on the rated entity. However, SACP does not reflect the positive or negative impact a group may have during an extraordinary crisis scenario. From our desktop analysis of 500 major financial institutions in China, we found most group influence is positive. However, there are some cases where group influence has a negative impact.