银行集团(关联)企业授信风险管理研究  

A Study of Bank Credit Lines to the Group(Affiliated) Enterprises

作　　者：上海银监局课题组课题组 张光平 孙慧 

出　　处：《金融监管研究》2016年第1期90-103,共14页Financial Regulation Research

摘　　要：作为一种企业间合作的组织形式,集团化模式在各个成熟市场和新兴市场均得到快速发展。近年来,我国企业做大做强动力十足,集团(关联)企业数量不断增多,风险也随之进一步加剧。本文从银行内控管理的角度,分析了集团关联客户产生信用风险的内、外原因,一方面,通过客户风险系统对全国和上海辖内的企业集团授信及风险数据进行深入挖掘,探寻风险产生及传导的相关路径和规律;另一方面,借鉴国外对集团(关联)企业信贷风险控制的经验,结合我国银行的经营实践,提出了对集团(关联)企业授信风险的全流程防范手段,以及进一步强化集团企业管理的相关建议。As an inter-organizational form of business cooperation, the group enterprise model has become increasingly popular among developed and emerging markets. In recent years, with the rapid growth of Chinese enterprises, the number and risks of the group （affiliated） enterprises have been growing quickly. Based on the domestic and foreign literatures and the view of banking internal control management, this paper analyzes the internal and external causes of credit risk associated with the group （affiliated） customers. Using SAS software, EAST system and CUSTOMER system to do data mining of credit lines to the enterprise groups in Shanghai as well as in China, this paper attempts to find out the paths and patterns of risk emerging and contaging. Learning from foreign experience and combining with China＇s banking practical operations, this paper gives some advice for China＇ s banking industry to prevent the credit risks caused by the group （affiliated） enterprises. Finally, this paper offers suggestions to improve risk management on credit line risks of the group （affiliated） customers combining with China＇s banking regulatory exoerience.

关 键 词：集团(关联)企业 银行授信 风险管理 

分 类 号：F426.7[经济管理—产业经济]