商业银行民营企业集团整体授信难点探究  

Research on the Difficulties of Overall Credit Granting from Commercial Banks to Private Enterprise Groups

作　　者：缪锦春 许健[2] MIAO Jin-chun;XU Jian(School of Economics and Management,Nanjing University of Aeronautics and Astronautics,Nanjing 211106,China;Hua Xia Bank Shanghai Branch,Shanghai 200120,China)

机构地区：[1]南京航空航天大学经济与管理学院,江苏南京211106 [2]华夏银行上海分行,上海浦东200120

出　　处：《湖南人文科技学院学报》2018年第1期65-71,共7页Journal of Hunan University of Humanities,Science and Technology

基　　金：国家自然科学基金项目"基于超冲突均衡的复杂产品分布式技术创新协同机制研究"(71372080)

摘　　要：在目前宏观经济下行、经济结构转型的当口,及时梳理民营集团的授信风险,未雨绸缪,确有必要。通过对民营企业集团风险成因、银行授信难点和授信要点的分析,提出制定"一户一策"授信策略,优先发展高新技术型、先进技术型、资源综合利用型民营企业,优先支持已建立现代企业制度或正摆脱过分亲缘化的公司治理机制的民营企业,控制授信总量,做好借款人结构安排,严格关联企业之间的担保,适时采用银团贷款方式等授信建议。In the current circumstance of macroeconomic downturn and transformation of economic structure,it is necessary to take precautions for the risks of granting credit to commercial banks. Through the analysis of the causes of risks,the key points and difficulties of credit granting,the following strategies are put forward. First,strategies should be specific to individual customers.Second,priorities should be given to private enterprises of high and new technology,advanced technology,and comprehensive utilization of resources. Third,support should be given to enterprises which have established modern enterprise system or have got rid of relative-governance. Fourth,the overall amount of loan,the structure of borrowers,and affiliated enterprise guarantee should be strictly controlled. At last,syndicated loans can be appropriately applied.

关 键 词：民营企业集团 商业银行 整体授信 难点探究 

分 类 号：F832[经济管理—金融学]