特殊类型非融资性保函业务的授信风险及审批建议

Credit Risk and Approval Suggestions for Special Types of Non-financing Letter of Guarantee Business

非融资性保函是商业银行的传统信贷产品。近年来产品不断创新,其中隐藏的信用风险易受到忽视。本文从商业银行授信角度,对实践中遇到的几类特殊类型保函业务的风险特征进行分析,针对性提出风险防范措施。本文强调实践经验总结,揭示保函业务容易被忽视的风险,提出相关审批建议,对于银行授信工作实践具有实用参考价值。

Non-financing letter of guarantee is the traditional credit product of commercial banks.In recent years,the letter of guarantee has been constantly innovated,and the hidden credit risk is easy to be ignored.From the perspective of commercial bank credit,this paper analyzes the risk characteristics of several special types of letter of guarantee business encountered in practice,and puts forward targeted risk prevention measures;This paper emphasizes the summary of practical experience,reveals the risk that the letter of guarantee business is easy to be ignored,and puts forward relevant approval suggestions,which has practical referencevalueforbank credit practice.