我国商业银行关联企业信贷风险研究

发布时间：2018-04-04 06:05

本文选题：商业银行　切入点：关联企业　出处：《首都经济贸易大学》2012年硕士论文

【摘要】：我国自进入改革开放以来，，随着市场竞争的加剧，国内进行跨区域、跨行业经营的集团式企业越来越多。尤其是近些年来，集团式关联企业俨然已变成一种重要的企业形式。首先，集团式关联企业因为规模巨大、资金实力较强而被各家商业银行纷纷争取为其主要服务的客户。其次，集团关联企业往往是跨地区经营，这些集团关联企业之间股权关系错综复杂，其所组成的集团客户结构也相对多元化，所以这些企业之间的信用情况各有差异，且操作隐蔽，这给我国商业银行关联企业信贷管理增加了许多困难。近年来，从全国范围来看，“农凯”“铁本”“德隆”“银广夏”等一系列关联企业集团客户贷款相继出现问题，涉及贷款金额巨大，银行损失惨重，影响波及甚广（如“德隆”系企业造成了重庆市银行金融机构多家银行数十亿元的不良贷款）。更紧要的是，当前银行对集团大客户的贷款集中度越来越高，关联企业的信贷风险控制已成为我国商业银行的“软肋”，对我国商业银行的危害极大。因此加强对我国商业银行关联企业集团信贷风险的控制已变为一个亟待被解决的问题。本文针对目前我国关联企业集团客户频频出现恶意骗贷、逃贷这一情况，主要运用《新巴塞尔协议》的内部评级法（IRB）对相关案例进行实证分析，总结我国商业银行关联企业贷款的现实状况，并针对这其中存在的问题提出加强我国商业银行关联企业信贷风险控制的对策与建议。
[Abstract]:Since the reform and opening-up of our country, with the aggravation of the market competition, more and more domestic and cross regional, cross industry business enterprise group. Especially in recent years, the group associated enterprises have become an important form of enterprise. Firstly, the group affiliated enterprises because of huge scale, strong financial strength and the the commercial banks for its main customers. Secondly, the group affiliated enterprises is often cross regional operation, the relationship between the equity group affiliated enterprise group customer structure the perplexing, which is relatively diversified, so the credit situation between these enterprises are different from each other, and covert operations, which adds many difficulties to enterprise credit management Association of China commercial bank. In recent years, nationwide, "super -" "the iron" "Delong" "yinanxia" and a series of related enterprises Group customer loans have problems, involving a huge amount of loans, the bank suffered heavy losses, affecting a wide range of (such as the "Delong" Department of enterprises caused by the financial institutions of Chongqing city bank banks billions of dollars in bad loans). More importantly, the current bank loans to large groups of customers increasingly high degree of concentration, correlation enterprise credit risk control of commercial banks in China has become the "weakness", great harm to China's commercial banks. Therefore, to strengthen the control of the associated enterprise credit risk of China's commercial banks has become an urgent need to be solved.
Based on the current customers in China associated enterprise frequent malicious Piandai, fled - this situation, mainly using the < internal rating of the new Basel agreement "(IRB) to make an empirical analysis on the related cases, the reality of the situation summed up the related enterprises of our country commercial bank loan, and for which the problems countermeasures and suggestions to strengthen affiliated enterprise credit risk control of commercial banks in China.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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