民间借贷向商业银行的风险传导:途径分析与防范建议

发布时间：2018-09-17 13:36

【摘要】：民间借贷和商业银行既相互补充又相互竞争,两者之间的资金流相互渗透,银行资金主要通过本行员工和授信客户两条途径流入民间借贷市场。由于部分银行员工私自揽储放贷、为储户和资金短缺者牵线搭桥、私自销售理财产品、非法兼职或参股影子银行,以及获得银行授信的客户超额贷款后进行转贷、与融资性担保公司合谋骗贷、为参与民间借贷的企业提供担保等,民间借贷的市场风险可能传导至商业银行,影响银行体系稳定。为此,要建立健全商业银行与民间借贷之间的"防火墙",加强对银行员工的业务监督和审计机制,强化对账管理和账户监控,严格代销业务管理和风险提示,完善营业场所管理,降低银行员工参与民间借贷的风险;核查授信客户贷款需求的真实性,确保还款来源的稳定性和可靠性,严格执行"实贷实付、受托支付"规则,降低银行信贷客户参与民间借贷的风险。
[Abstract]:Private lending and commercial banks complement each other and compete with each other, and the capital flows between them permeate each other. Bank funds flow into the private lending market mainly through their employees and credit customers. Because some bank employees privately collect deposits and loans, connect savers with cash-strapped people, privately sell wealth management products, illegally take part-time or equity stakes in shadow banks, and transfer loans after excessive loans from clients who have been granted credit from banks. Colluding with financing guarantee companies to provide guarantee for enterprises involved in private lending and so on, the market risk of private lending may be transmitted to commercial banks, affecting the stability of the banking system. To this end, it is necessary to establish and improve the "firewall" between commercial banks and private loans, strengthen the business supervision and audit mechanism for bank employees, strengthen reconciliation management and account monitoring, and strictly manage the business of selling on behalf of banks and risk tips. To improve the management of business premises, reduce the risk of bank employees' participation in private lending, verify the authenticity of loan requirements of creditworthy customers, ensure the stability and reliability of repayment sources, and strictly enforce the rules of "actual loan payment and fiduciary payment", Reduce the risk of bank credit customers to participate in private lending.
【作者单位】：包商银行;景德镇陶瓷大学;温州大学;上海中侨职业技术学院;
【基金】：浙江省自然科学基金面上项目《基于银行竞争的中小企业联保贷款问题研究》(项目编号:LY15G030024)的资助
【分类号】：F832.33;F832.4

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