煤炭企业信贷风险问题研究——以山西省为例  

Research on the credit risk of coal enterprises——Taking Shanxi as an example

作　　者：刘红 郭少昆 Liu Hong;Guo Shaokun(School of Economics, Business College of Shanxi University, Taiyuan 030031, China;Graduate School, Shanxi University of Finance and Economics, Taiyuan 030014, China)

机构地区：[1]山西大学商务学院经济学院,山西太原030031 [2]山西财经大学研究生学院,山西太原030014

出　　处：《煤炭经济研究》2018年第5期35-40,共6页Coal Economic Research

基　　金：山西省软科学研究重点项目计划(2017042005-4)

摘　　要：防范化解重大风险是经济社会持续健康发展的重要前提。煤炭行业是我国供给侧结构性改革的重要领域之一,防范煤炭行业信贷风险既是保障煤企稳定发展的重要任务,更是为煤企提供信贷资金的商业银行防范系统性风险的重要举措。以山西煤企为例,在我国煤企发展现状基础上,剖析了煤炭企业信贷风险的特点、形成原因,指出我国商业银行应在加大清收不良贷款的力度、优化信贷结构、加强对煤炭企业风险管控等方面防范煤企信贷风险的发生。Preventing and resolving major risks is an important prerequisite for sustained and healthy development of economic and social. The coal industry is one of the important fields of supply side structural reform in China. Preventing the credit risk of the coal industry is not only an important task to ensure the stable development of coal enterprises, but also an impor- tant measure to prevent the systematic risk of the commercial banks providing credit funds for coal enterprises. Taking Shanxi as an example, on the basis of the status of the development with coal enterprises in China, the characteristics and causes of credit risks were analyzed. It is pointed out that China＇ s commercial banks should prevent the occurrence of credit risk of coal enterprises in terms of increasing the efforts to collect bad loans, optimizing the credit structure, and strengthening the risk management and control.

关 键 词：信贷风险 商业银行 煤炭企业 

分 类 号：F416.21[经济管理—产业经济] F832