建筑企业贷款风险点及其防范对策

Loan Risk Points and Countermeasures of Construction Enterprises

建筑行业是投资拉动下的周期性行业,与固定资产投资及房地产投资关系密切。近年来,建筑业受宏观经济政策和房地产的影响,加之行业自身经营管理问题,行业的贷款风险不断暴露。本文从政策、经营、财务、法律信用、内部管理等方面分析了建筑业贷款的主要风险点,提出了加强行业管控、加强财务核算、加大走访与贷款封闭运作、依靠政府部门协调等降低建筑业贷款风险的措施,供企业及银行业相关人士参考。

The construction industry is a cyclical industry driven by investment and closely related tofixed asset investment and real estate investment.In recent years,the construction industry is affectedby macroeconomic policies and real estate,coupled with the industry's own management problems,theindustry continues to expose the risk of loans.This paper analyzes the main risks of construction loansfrom the policy,management,finance,legal credit,internal management,put forward to strengthenindustry management,strengthen financial accounting,increase the visits and loan closed operation,relyon government departments to coordinate the construction industry to reduce the loan risk measures forenterprises and banks are.