经济下行压力下商业银行担保有效性探究

Research on the Validity of Commercial Bank Guarantee under the Economic Downward Pressure

经济下行期,商业银行资产质量压力加大,不良贷款清收处置困难增加,商业银行信贷过程中采用的抵质押担保、保证担保分散风险的效力有所下降。本文以十余家商业银行为样本,深入探究互保联保、集团内担保、融资性担保公司担保以及抵押担保等担保形式失效的主要表现形式及原因,并针对性地提出了相关政策建议。

In the period of economic downturn, the asset quality of commercial banks to increase the pressure, increase the difficulty of bad loan disposal, collateral guarantee, validity of the guarantee risk declined by the commercial bank credit in the process. In this paper, more than ten commercial banks as a sample, explores the main manifestations and causes of failure in the group of mutual UNPROFOR,guarantee,financing Guarantee Corporation guarantees and collateral guarantee form, and puts forward relevant policy suggestions.