集团企业授信风险识别和防范研究

Identify and Control the Credit Risk from Group Corporation

集团企业组织结构庞大,业务交易复杂,地域跨度大,信用状况参差不齐,在信息不对称背景下,给商业银行授信风险管理带来很大的困难,以致屡屡遭遇集团企业授信风险。集团企业的关联和风险,最终表现为以资金为纽带的财务风险,都可以从财务管理和财务报表的真实性上找到原因。文章从财务角度分析了集团企业授信风险的成因,并就识别和防范集团企业的授信风险提出了应对策略和政策建议。

Group Corporation which has huge structure of organization,complicated trade of business,large span of district,different standing of credit gives difficulty in credit risk management of commercial bank that meets with the result of risk of credit from group corporation time and again under the background of asymmetric information.In this paper,the research analyzes the reason of credit risk from the point of finance and gives strategy and policy to identify and control the credit risk from group corporation.