本文選題：商業(yè)銀行　切入點(diǎn)：關(guān)聯(lián)企業(yè)　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2012年碩士論文

【摘要】：我國自進(jìn)入改革開放以來，，隨著市場(chǎng)競(jìng)爭(zhēng)的加劇，國內(nèi)進(jìn)行跨區(qū)域、跨行業(yè)經(jīng)營的集團(tuán)式企業(yè)越來越多。尤其是近些年來，集團(tuán)式關(guān)聯(lián)企業(yè)儼然已變成一種重要的企業(yè)形式。首先，集團(tuán)式關(guān)聯(lián)企業(yè)因?yàn)橐?guī)模巨大、資金實(shí)力較強(qiáng)而被各家商業(yè)銀行紛紛爭(zhēng)取為其主要服務(wù)的客戶。其次，集團(tuán)關(guān)聯(lián)企業(yè)往往是跨地區(qū)經(jīng)營，這些集團(tuán)關(guān)聯(lián)企業(yè)之間股權(quán)關(guān)系錯(cuò)綜復(fù)雜，其所組成的集團(tuán)客戶結(jié)構(gòu)也相對(duì)多元化，所以這些企業(yè)之間的信用情況各有差異，且操作隱蔽，這給我國商業(yè)銀行關(guān)聯(lián)企業(yè)信貸管理增加了許多困難。近年來，從全國范圍來看，“農(nóng)凱”“鐵本”“德隆”“銀廣夏”等一系列關(guān)聯(lián)企業(yè)集團(tuán)客戶貸款相繼出現(xiàn)問題，涉及貸款金額巨大，銀行損失慘重，影響波及甚廣（如“德隆”系企業(yè)造成了重慶市銀行金融機(jī)構(gòu)多家銀行數(shù)十億元的不良貸款）。更緊要的是，當(dāng)前銀行對(duì)集團(tuán)大客戶的貸款集中度越來越高，關(guān)聯(lián)企業(yè)的信貸風(fēng)險(xiǎn)控制已成為我國商業(yè)銀行的“軟肋”，對(duì)我國商業(yè)銀行的危害極大。因此加強(qiáng)對(duì)我國商業(yè)銀行關(guān)聯(lián)企業(yè)集團(tuán)信貸風(fēng)險(xiǎn)的控制已變?yōu)橐粋�(gè)亟待被解決的問題。 本文針對(duì)目前我國關(guān)聯(lián)企業(yè)集團(tuán)客戶頻頻出現(xiàn)惡意騙貸、逃貸這一情況，主要運(yùn)用《新巴塞爾協(xié)議》的內(nèi)部評(píng)級(jí)法（IRB）對(duì)相關(guān)案例進(jìn)行實(shí)證分析，總結(jié)我國商業(yè)銀行關(guān)聯(lián)企業(yè)貸款的現(xiàn)實(shí)狀況，并針對(duì)這其中存在的問題提出加強(qiáng)我國商業(yè)銀行關(guān)聯(lián)企業(yè)信貸風(fēng)險(xiǎn)控制的對(duì)策與建議。
[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.

【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 李穎;廖肇輝;;內(nèi)部評(píng)級(jí)法(IRB)評(píng)述及我國商業(yè)銀行信用評(píng)級(jí)方法的改進(jìn)建議[J];財(cái)貿(mào)經(jīng)濟(jì);2005年12期

2 詹向陽,張興勝;巴塞爾新資本協(xié)議及其相關(guān)問題研究[J];金融論壇;2001年08期

3 王琳;信息不對(duì)稱與國有商業(yè)銀行經(jīng)營管理[J];金融論壇;2001年08期

4 王憲全;試論商業(yè)銀行貸款過程中的信息不對(duì)稱問題[J];金融論壇;2003年03期

5 左力;國有商業(yè)銀行管理體系中的信用風(fēng)險(xiǎn)管理[J];德州學(xué)院學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版);2005年05期

6 姚遠(yuǎn),向斌;從“鐵本”讓銀行“貼本”看關(guān)聯(lián)企業(yè)信貸風(fēng)險(xiǎn)的防范和控制[J];南方金融;2004年07期

7 趙保棟;談關(guān)聯(lián)企業(yè)行為審計(jì)[J];河北審計(jì);1998年07期

8 李航,張華;商業(yè)銀行集團(tuán)客戶授信業(yè)務(wù)風(fēng)險(xiǎn)分析[J];金融理論與實(shí)踐;2005年02期

9 何運(yùn)福;;對(duì)銀行貸款企業(yè)關(guān)聯(lián)方及關(guān)聯(lián)交易問題的思考[J];中國農(nóng)業(yè)銀行武漢培訓(xùn)學(xué)院學(xué)報(bào);2006年04期

10 吳瑛;;商業(yè)銀行信貸風(fēng)險(xiǎn)的控制措施探討[J];濟(jì)南金融;2005年11期

本文編號(hào)：1708686