国有大型企业运行商业银行信贷风险的相关性个案研究

A Case Study of Relations Between Large - sized State Enterprises and Credit Risk of Commercial Banks

由于历史与现实因素的双重影响,国有大型企业与商业银行信贷风险具有高度的相关性,可以说,国有大型企业的信贷风险与中小企业不同,在长期业已形成的信贷关系中,商业银行只能被动接受此类信贷风险,而不具备信贷选择权。本文以黑龙江省七台河矿业集团作个案研究,分析大型企业经营状况波动对银行信贷风险的直接影响,并据此提出相关政策建议。

Given the historical and current situations, large- sized state- owned enterprises closely related to banks credit risk. This paper studies the case of Qitaihe Mineral Group, to show the banks credit risk and some policy suggestions .