商业银行过度授信的负效应及防范对策

The negative effects and Countermeasures of excessive credit in commercial banks

额度授信是商业银行对一个企业业务总量的控制。授信不足会影响企业资金周转,影响企业发展;过度授信会增加企业财务成本,甚至危及企业生存发展。建议政府积极搭建银企合作平台,引导银行和企业双方按照实际需要和风险承受能力开展融资活动,完善个人征信与信贷管理信息系统联网共享,防止金融机构无序竞争与过度授信;银行应坚持授信有度的原则,既要掌握企业实质性承贷能力,也要把握企业实际性授信需求;企业应争取合理的资金支持,而不要过度的额度授信。

The amount of credit is the control of the total business volume of a commercial bank.Lack of credit will affect the turnover of capital, affect the development of enterprises;Excessive credit will increase the financial cost of enterprises, Even endanger the survival and development of enterprises.We Suggest that the government should actively build a platform for cooperation between banks, Leading banks and enterprises in accordance with the actual needs and risk tolerance to carry out financing activities, Improve personal credit and credit management information system network sharing, To prevent disorderly competition and excessive credit; Banks should adhere to the principle of credit, It is necessary to grasp the essence of enterprise of repaying the loan, Also need to grasp the actual credit demand; Enterprises should strive for reasonable financial support, And do not over the amount of credit.