商业银行信贷业务担保关联风险及防范对策

Commercial Bank Credit Guarantees Associated Risks and Preventive Measures

随着国内外经济延续复杂运行的格局,企业之间直接或间接的互保现象逐渐普遍化,甚至多家企业通过互相担保或连环担保连接到一起而形成"担保圈",导致担保关联风险事件层出不穷,银行信贷业务风险管理也面临新的挑战。本文在分析信贷业务担保关联风险成因的基础上,提出化解信贷业务担保关联风险的措施。

With the domestic economy continues complex operation, direct or indirect mutual phenomenon between the enterprise is more and more, and many enterprises are connected together, lead to a security risk events emerge, so the field of bank credit risk management is facing new challenges. Based on the＇ analysis of credit connected guarantee types, causes, the path of risk conduction, the dissertation put forward a series of risk management measures to minimize the risk of connected guarantee in credit business of domestic commercial bank.