关联企业制度与银行信贷风险的控制和监管

Connected Enterprise System and Risk Control and Supervision over Banking Loans

关联企业信贷风险控制在银行信贷管理中十分重要。频频发生的关联企业巨额贷款损失案件暴露出我国现行关联企业制度的缺陷以及我国商业银行关联企业信贷风险控制机制的漏洞。我国亟待借鉴国外经验,强化关联企业信贷风险控制。首先,国家要完善关联企业立法,从法律制度上保障银行债权;其次,商业银行应建立关联企业信贷风险控制机制以及关联企业信贷信息咨询系统,并做好对关联企业贷款的统一授信、贷前调查和财务分析,选择合适的借款主体和担保方式,在借款合同中设置预防性条款,加强贷后管理;最后,银行监管机构要采取措施加强对关联企业信贷风险的监管。

R isk co ntrol over loans to connected enterprises plays a vital role in credit managemen t by banks.Frequent occurrence of cases in-volving colossal loan losses in this regard reveal the flaws in the current system concerning connected enterprises and loopholes in the mechanism of credit risk control over connected enterprises by our commercial banks.China is in urgent need to learn from foreign countries and tighten credit risk control over such enterprises.First,the state should le gislate for them and protect banks financial claims by legal means.Secondly,com mercial banks should put in place a credit risk control mechanism and a credit i nformation consulting system,unify loan extension standards,make pre-loan invest igation and financial analysis,choose proper borrowers and guarantee mode and se t preventive clauses in loan contracts and strengthen post-loan management.Final ly,the banking watchdog should take measures to enhance supervision over credit risks from connected enterprises.