集团关联客户信贷风险的成因及防控

任一经济主体在关联关系的传导机制下,只要可能因其关联方的不当经济活动而受到损害,则应认为其存在关联风险.关联关系的类型包括投资型关联、经营型关联、债务型关联等.关联风险具有隐蔽性、突发性、连锁性、欺诈性的特征.关联风险之所以形成,既有宏观经济运行层面的原因,也有微观经济个体方面的原因,还有监管机构方面的原因.通过对企业财务因素及非财务因素的分析,可以及早发现关联风险.采取控制关联企业融资总量,加强对"或有负债"的管理,争取担保实物化,实现跨地区银行分支机构合作等方式,有助于防范关联风险.

Cause of and Control over Credit Riks of Group-Related Cusotmers

Under the transference mechanism of correlation,an economic entity is risk-prone if it is possibly hurt by a connected party through illegal economic activities. Correlation is classified into investment,operational and debt types. Correlated risk is a hidden,abrupt,chain-like and fraudulent risk,the cause of which is attributable to macro-economic and micro-economic factors as well as to the negligence of regulators. Such risk can be identified earlier by looking into corporate financial and non-financial factors. To fight against correlated risk,one should control the total volume financed by connected firms,tighten management over possible debt,strive to materialize guarantees and promote cooperation between trans-region branches.