外部冲击下互助担保的制约逆转与集体违约:A钢贸市场贷款案例  

Reversal of Mutual Guarantee Restriction and Group Default under the exogenous shock—A steel trade market case

作　　者：杨勇[1] 赵振杰[1] 熊燕[1] 赵映光[2] 

机构地区：[1]交通银行青岛分行,山东青岛266001 [2]中国人民银行青岛市中心支行,山东青岛266071

出　　处：《金融发展研究》2014年第5期54-58,共5页Journal Of Financial Development Research

摘　　要：互助担保作为小企业商户的有效融资方式,有其制度上的合理性,但互保企业商户的内部关系复杂,互保的内部制约关系在外部冲击下可能会发生逆转,以集体违约的方式威胁银行让步。银行应采取措施打破其利益链,发挥监督链的作用。Mutual guarantee is an effective way for small enterprises and merchants to get loans. It is institutionally reasonable but the inner relationship among merchants is complicated. The inner restriction of mutual guarantee will re-verse under the exogenous shock, and the merchants will threaten the banks by group default, so banks should take measures to break the interest chain of merchants,and perform its role as a supervisor.

关 键 词：互助担保 制约逆转 集体违约 

分 类 号：F832.42[经济管理—金融学]