【摘要】：近年來,我國商業(yè)銀行的不良貸款率大幅增加。其中很大一部分原因是由于銀行過度授信導(dǎo)致企業(yè)過度投資,從而為造成不良貸款風(fēng)險埋下隱患。2014年9月皖江物流的子公司淮礦物流曝出百億債務(wù)黑洞,涉及19家銀行總計127.18億元債務(wù)。在淮礦物流當時資本金只有10億元的情況下,銀行給予的授信額度卻高達130億元,屬于典型的過度授信。本文通過對淮礦物流百億債務(wù)黑洞的案例進行分析,總結(jié)造成銀行對其進行過度授信的成因,并就如何防范銀行過度授信風(fēng)險提出相關(guān)的建議措施。
[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.
【作者單位】： 安徽財經(jīng)大學(xué)會計學(xué)院;
【分類號】：F832.4;F259.23
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本文編號：2348460