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

【摘要】：我國自進入改革開放以來，，隨著市場競爭的加劇，國內(nèi)進行跨區(qū)域、跨行業(yè)經(jīng)營的集團式企業(yè)越來越多。尤其是近些年來，集團式關(guān)聯(lián)企業(yè)儼然已變成一種重要的企業(yè)形式。首先，集團式關(guān)聯(lián)企業(yè)因為規(guī)模巨大、資金實力較強而被各家商業(yè)銀行紛紛爭取為其主要服務(wù)的客戶。其次，集團關(guān)聯(lián)企業(yè)往往是跨地區(qū)經(jīng)營，這些集團關(guān)聯(lián)企業(yè)之間股權(quán)關(guān)系錯綜復(fù)雜，其所組成的集團客戶結(jié)構(gòu)也相對多元化，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)前銀行對集團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)險控制已成為我國商業(yè)銀行的“軟肋”，對我國商業(yè)銀行的危害極大。因此加強對我國商業(yè)銀行關(guān)聯(lián)企業(yè)集團信貸風(fēng)險的控制已變?yōu)橐粋�亟待被解決的問題。 本文針對目前我國關(guān)聯(lián)企業(yè)集團客戶頻頻出現(xiàn)惡意騙貸、逃貸這一情況，主要運用《新巴塞爾協(xié)議》的內(nèi)部評級法（IRB）對相關(guān)案例進行實證分析，總結(jié)我國商業(yè)銀行關(guān)聯(lián)企業(yè)貸款的現(xiàn)實狀況，并針對這其中存在的問題提出加強我國商業(yè)銀行關(guān)聯(lián)企業(yè)信貸風(fēng)險控制的對策與建議。
[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)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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