试论集团企业授信风险的类型、问题与管控对策

发布时间：2018-01-01 14:37

  本文关键词：试论集团企业授信风险的类型、问题与管控对策　出处：《上海金融》2017年09期 　论文类型：期刊论文

  更多相关文章： 集团企业 授信风险 管控

【摘要】：伴随着市场机制的建立与完善,集团企业已成长为重要的市场主体。近年来,因集团企业发生风险导致商业银行遭受巨大损失的案例屡见不鲜。集团企业的授信风险通常表现为多头授信和过度授信、贷款资金被挪用、关联互保和担保圈、非公允关联交易、不当经营和投资。在实践中,商业银行往往面临集团企业认定不完整、授信评价体系不健全,风险预警预判不及时等问题。为此,需要从严格关联关系识别、强化统一授信管理、审慎核定最高风险限额、注重担保方式选择、完善预警指标体系、强化外部机构合作等方面入手,全面加强集团企业授信风险管控。
[Abstract]:With the establishment and improvement of the market mechanism , the group enterprise has grown into an important market main body . In recent years , the credit risk of the group enterprise often appears as multi - head credit and excessive credit , the loan fund is misappropriated , associated with the mutual insurance and the guarantee ring , the non - fair related transaction , improper operation and investment . In practice , the commercial banks often face the problems of the strict association relationship identification , the strengthening of the unified credit granting management , the prudent approval of the maximum risk limit , the emphasis on the selection of the guarantee mode , the improvement of the early warning index system , and the strengthening of the cooperation of the external institutions , etc . , and the credit risk control of the group enterprise is comprehensively strengthened .

【作者单位】： 中国建设银行上海市分行;
【分类号】：F275;F832.4
【正文快照】： 伴随着市场机制的建立与完善,集团企业已成长家。由于银行间的信息渠道不通畅,因此,虽然单一银为重要的市场主体。据统计,在2015年中国企业500行对个别成员企业的授信可能合理,但集团企业从全强中,集团性企业共403家,占比80.6%,营收达部合作银行处获得的授信总和却可能会远超，

本文编号：1364946