对担保机构担保项下中小企业信贷业务的风险管理

中小企业信贷业务在商业银行信贷资产业务中的地位越来越重要。发展中小企业信贷业务,是国有商业银行调整客户结构和资产结构,实施战略转型的重要方面。在实务操作过程中,相当部分的中小企业难以提供符合银行要求的抵(质)押物,不得不寻求专业担保机构的担保,借助担保机构的信用获得银行信贷支持。关于担保机构担保项下的中小企业信贷风险管理问题,也开始被重视。本文分析了担保机构的相关风险因素,并从担保机构相关风险的分析管理角度提出了针对上述担保贷款的风险管理对策。

Risk Management over Secured Credit Business by Guaranteeing Institute for Small-and-Medium-Sized Enterprises

Extending credit to SMS (Small-and-Medium-Size) enterprises is increasingly felt by commercial banks as an important credit asset business. Developing credit to SMS enterprises constitutes an essential part for state-owned commercial banks to adjust customers' structure and capital structure in the course of strategic transformation. In actual operation, a considerable number of SMS enterprises are hard put to provide collateral security in accord with banking requirement and are forced to seek guarantee from specialized guaranteeing institutes to secure credit support from banks by taking advantage of the latter's credit standing. Attention to risk management in this respect is gaining ground now. In this paper, risk factors of guaranteeing institutes are analyzed and measures for risk management over the above-mentioned secured loans are proposed from the viewpoint of guaranteeing institutes regarding risk analysis and management.