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对产业集群的信贷风险分析与控制
引用本文:张辉.对产业集群的信贷风险分析与控制[J].金融论坛,2005,10(2):44-48.
作者姓名:张辉
作者单位:中国工商银行湖北分行
摘    要:本文通过对产业集群潜在风险及案例分析,剖析银行对产业集群贷款的风险特征与分析方法,指引商业银行把握对产业集群的贷款政策,探究规避风险的措施。文章认为,如果银行对产业集群的风险状况不能很好把握,盲目投放贷款,无异于高风险的聚集。因此,商业银行应从把握贷款规模,限制授信总量;根据产业集群生命周期把握贷款投放期限,有效进行结构调整;严密监控,严防地区性金融风险等方面规避和防范这类风险。

关 键 词:产业集群  集群风险  风险识别  风险控制
文章编号:1009-9190(2005)2-0044-05

Analysis and Control of Credit Risk When Extending Credit to Industrial Groups
Zhang Hui.Analysis and Control of Credit Risk When Extending Credit to Industrial Groups[J].Finance Forum,2005,10(2):44-48.
Authors:Zhang Hui
Abstract:Based on an analysis of the potential risk in industrial groups and a case study, the paper examines the risk features of loans extended by banks to industrial groups, gives guidance to commercial banks to grasp well the loan policy towards industrial groups and discuses measures to avert risks. It is believed that when banks fail to discern the risk potential of industrial groups and issue loans blindly, it would mean high risk convergence. Therefore, commercial banks should take control of loan scale and total credit extension, time the loan terms according to the life circle of industrial groups, conduct effective restructuring, tighten control and hedge local financial risks.
Keywords:industrial group  group risk  risk identification  risk control
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