家族民营企业审查审批的难点及其理念转型思考

Reflections on the difficulties and ideas of the examination and approval of the family private enterprises

在经济下行周期,很多家族民营企业由于内部治理机制、市场风险、行业风险等综合因素而导致资金链断裂引起的信贷风险。因此,从信贷审查审批的角度来揭示闽南一带家族民营企业治理机制的内在缺陷、抗风险能力弱、市场反应能力不敏感等特点,阐述信贷审查审批中存在的误区及难点,从而提出在民营家族企业信贷审查审批时应如何转型的几点思考。

During the period of economic downturn, many family private enterprises due to internal governance mechanism, market risk, the industry risk factors caused funds Lianduanlie cause credit risk. Therefore, from the point of view of the credit review and approval to reveal the inherent defects of the southern area of private family enterprise govemance mechanism, weak anti risk ability, reaction ability of the market insensitive, expounds the misunderstandings and difficulties existing in the credit review and approval,thus put forward the in private family enterprise credit review and approval should be how the transformation of thoughts.