对产业集群客户授信风险管理的思考  

The Thingks on the Customet Credit Risk Management of Industrial Clusters

作　　者：陈松[1] 

机构地区：[1]南京财经大学,江苏南京210046

出　　处：《吉林金融研究》2012年第11期41-42,68,共3页Journal of Jilin Financial Research

摘　　要：贷款客户集中度是衡量贷款风险的一项重要指标。特别是2008年世界金融危机发生后,各国都在防范金融风险上加强控制,随着巴塞尔协议3逐步广泛得到世界各国的认同和实施,贷款集中度问题越来越应该引起重视。但是,由于事实上的微观动作,贷款集中有趋重的趋势,其中产业集群客户授信是重要手段。本文结合授信风险管理存在的问题提出建议。The loan customer concentration is an important indicator to measure the risk of loans.Especially after the world financial crisis in 2008,all countries enhanced the control of prevention of financial risks.As Basel 3 gradually widely got world recognition and implementation,the problem of loan concentration has been paid more attention.However,there is a constrated trend for the loans,industrial clusters customer credit is an important tool.In this paper,with the problem of credit risk management,we put forward the relative recommendations.

关 键 词：产业集群 授信风险 信用评级 

分 类 号：F832.4[经济管理—金融学]