Banking Channel Dependency Risk refers to risk indicator related to banking channel dependency risk in the borrower, facility, collateral, or transaction. It should trigger deeper underwriting review, mitigation, pricing adjustment, or monitoring action. Define thresholds, data source, severity levels, and owner for action. In MSME credit, it converts borrower behaviour, financial signals, compliance gaps or business dependencies into a clearer risk view for approval and monitoring. For example, heavy dependence on one customer, supplier, bank channel or promoter group can increase risk even when recent financial numbers look acceptable. It matters because it helps the lender decide whether to proceed, add conditions, seek mitigants, reduce exposure or monitor the account more closely. The common mistake is to treat the indicator as a final decision by itself; it should be supported by evidence, trend analysis and credit judgement.