风险企业处置中的债权银行合作行为分析

The Analysis of the Behaviors of Creditor Banksin the Process of Venture Enterprise Disposal

在经济下行、企业经营风险加剧、资金链条断裂等困境频发的特定时期,政府主导参与风险企业处置具有天然优势,其作用毋庸置疑。但通过对威海SJ船业风险处置过程中债权银行行为的研究分析发现,债权银行在风险企业处置中可以发挥难以替代的作用,甚至是主导作用。本案例中银行间的合作博弈为风险企业的有效救助提供了一种新的处置模式。在对案例进行分析和研究的基础上,笔者整理归纳出了风险处置中,银行间合作博弈的基础和条件。

With the downturn of economic growth, intensifiedbusiness-risk, broken capital chain and other frequent dilemmas, the government-led participation in the risk of enterprise disposal has a congenital advantage whose function is indisputable. However, through the analysis of the behaviors of creditor banks in the process of risk disposal of SJ enterprise in the city of Weihai, it is found that creditor banks can play an irreplaceable, or even a leading role in the disposal of venture enterprises. Corporation and competition between banks in this case provides a new disposal model for effective relief of the venture enterprise. On the basis of the analysis and research of the case, the author summarizes the basis andcondition of the inter-bank cooperative game in risk disposal.