本文關(guān)鍵詞：試論集團企業(yè)授信風(fēng)險的類型、問題與管控對策　出處：《上海金融》2017年09期 　論文類型：期刊論文

  更多相關(guān)文章： 集團企業(yè) 授信風(fēng)險 管控

【摘要】：伴隨著市場機制的建立與完善,集團企業(yè)已成長為重要的市場主體。近年來,因集團企業(yè)發(fā)生風(fēng)險導(dǎo)致商業(yè)銀行遭受巨大損失的案例屢見不鮮。集團企業(yè)的授信風(fēng)險通常表現(xiàn)為多頭授信和過度授信、貸款資金被挪用、關(guān)聯(lián)互保和擔(dān)保圈、非公允關(guān)聯(lián)交易、不當(dāng)經(jīng)營和投資。在實踐中,商業(yè)銀行往往面臨集團企業(yè)認(rèn)定不完整、授信評價體系不健全,風(fēng)險預(yù)警預(yù)判不及時等問題。為此,需要從嚴(yán)格關(guān)聯(lián)關(guān)系識別、強化統(tǒng)一授信管理、審慎核定最高風(fēng)險限額、注重擔(dān)保方式選擇、完善預(yù)警指標(biāo)體系、強化外部機構(gòu)合作等方面入手,全面加強集團企業(yè)授信風(fēng)險管控。
[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 .

【作者單位】： 中國建設(shè)銀行上海市分行;
【分類號】：F275;F832.4
【正文快照】： 伴隨著市場機制的建立與完善,集團企業(yè)已成長家。由于銀行間的信息渠道不通暢,因此,雖然單一銀為重要的市場主體。據(jù)統(tǒng)計,在2015年中國企業(yè)500行對個別成員企業(yè)的授信可能合理,但集團企業(yè)從全強中,集團性企業(yè)共403家,占比80.6%,營收達部合作銀行處獲得的授信總和卻可能會遠超，

本文編號：1364946