集团企业授信风险防范问题研究

A Study on Keeping Away from Risk In Commercial Banks Giving Loans to Enterprise Groups

近几年随着一系列大型企业集团如蓝田、银广夏、德隆、啤酒花、南海华光、上海周正毅关联企业、深圳彭海怀兄弟企业、江苏铁本公司等企业相继出事,商业银行对集团企业授信风险问题日益突出。这不仅会给银行信贷资产带来损失,也威胁到国家的金融安全。本文列举了商业银行对集团客户授信风险的主要表现,全面剖析了当前商业银行在集团客户授信业务管理中存在的主要问题,在此基础上,提出了进一步防范和控制集团客户授信风险的对策。

With the exposure of severe probleins in succession in many enterprise groups such as Lantian corp., Yinguangxia corp., Delong and Pijiuhua corp. in Xinjiang, Nanhai huaguang corp., and the enterprise owned by Zhou Zhengyi in shanghai, the enterprise owned by Peng Haihuai brothers in Shenzhen as well as Tieben corp. in Jiangsu province in recent years, the control to risk which commercial banks provide loans to enterprise groups is getting more and more apparent and outstanding. This will not only bring losses to credit assets of banks, but also threaten the national financial security. The paper specializes in detail the main exhibition of the risk of credit which commercial banks provide for enterprise groups. Meanwhile, it also analyses deeply the primary problems in credit management that commercial banks give loans to enterprises. Based on these analyses, the paper comes up with some concrete methods and measures in controlling and keeping away from this kind of risk.