从淮矿物流百亿债务黑洞看银行过度授信问题
发布时间：2018-11-22 07:11
【摘要】：近年来,我国商业银行的不良贷款率大幅增加。其中很大一部分原因是由于银行过度授信导致企业过度投资,从而为造成不良贷款风险埋下隐患。2014年9月皖江物流的子公司淮矿物流曝出百亿债务黑洞,涉及19家银行总计127.18亿元债务。在淮矿物流当时资本金只有10亿元的情况下,银行给予的授信额度却高达130亿元,属于典型的过度授信。本文通过对淮矿物流百亿债务黑洞的案例进行分析,总结造成银行对其进行过度授信的成因,并就如何防范银行过度授信风险提出相关的建议措施。
[Abstract]:In recent years, the non-performing loan rate of commercial banks in China has increased significantly. A large part of the reason is that companies overinvest because of over-credit from banks, which creates hidden dangers for the risk of non-performing loans. In September 2014, Huai Mine Logistics, a subsidiary of Wanjiang Logistics, revealed a black hole in tens of billions of debts. It involved 19 banks with a total debt of 12.718 billion yuan. At that time, the capital of Huai Mine Logistics was only 1 billion yuan, but the credit line granted by banks was as high as 13 billion yuan, which is a typical over-credit. Based on the analysis of the case of Huai mine logistics tens of billions of debt black holes, this paper summarizes the causes of overcredit by banks, and puts forward some relevant suggestions on how to prevent the risk of excessive credit from banks.
【作者单位】： 安徽财经大学会计学院;
【分类号】：F832.4;F259.23
，
本文编号：2348460
[Abstract]:In recent years, the non-performing loan rate of commercial banks in China has increased significantly. A large part of the reason is that companies overinvest because of over-credit from banks, which creates hidden dangers for the risk of non-performing loans. In September 2014, Huai Mine Logistics, a subsidiary of Wanjiang Logistics, revealed a black hole in tens of billions of debts. It involved 19 banks with a total debt of 12.718 billion yuan. At that time, the capital of Huai Mine Logistics was only 1 billion yuan, but the credit line granted by banks was as high as 13 billion yuan, which is a typical over-credit. Based on the analysis of the case of Huai mine logistics tens of billions of debt black holes, this paper summarizes the causes of overcredit by banks, and puts forward some relevant suggestions on how to prevent the risk of excessive credit from banks.
【作者单位】： 安徽财经大学会计学院;
【分类号】：F832.4;F259.23
，
本文编号：2348460
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