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论文编号：	1737
作者编号：	2120072112
上传时间：	2009/12/13 22:34:20
中文题目：	民营企业集团关联交易的银行授信风险研究
英文题目：	Research on Credit Risk of Commercial Bank from Affiliated Transaction of Private Enterprise Group
指导老师：	李亚
中文关键字：	民营企业集团 关联交易 商业银行 风险管理
英文关键字：	private enterprise group, affiliated transaction, commercial bank, risk management
中文摘要：	在我国，民营企业的经济地位逐渐壮大。集团化成为民营企业发展的必由之路。对商业银行来讲，企业集团化的结果必然体现出与单一企业不同的风险特性，而我国商业银行对此认识还不够充分。近些年来，一些曾经显赫一时的民营企业集团先后爆发债务危机，对商业银行的授信资产安全产生重大影响。因此，商业银行防范民营企业集团授信风险成为被重点关注的问题之一。 商业银行对民营企业集团客户授信管理中存在着一些热点和难点问题，尤其是对关联交易的风险研究和控制上，无论是在理论还是在操作环节都面临很多困难。本文结合关联企业、关联交易以及民营企业集团的相关理论研究，从商业银行角度阐述了民营企业集团关联交易的授信风险来源，其中包括由民营企业集团自身的内在特点产生的风险，主要来自公司治理结构、经营战略特点等；由企业的集团特征给银行授信带来的风险，包括信息不对称问题、授信集中性风险等。 本文通过分析和总结国内商业银行集团客户授信管理现状与不足，并搜集西方商业银行管理经验，为我国商业银行防范民营企业集团关联交易授信风险提供借鉴。最后，本文从实务角度出发，针对商业银行防范民营企业集团关联交易的授信风险提出多方面对策。同时，以德隆系企业为案例进行了分析说明。
英文摘要：	In our country, the place of private company became more and more important. Conglomeratization becomes the only way leading to the development for private companies. For commercial banks, the result of conglomerazation must show some different characteristics with regular companies. But the commercial banks in our country may not realize this issue clearly. In recent years, the debt crisis broke out among some famous private enterprise group in our country, which had great influence on the safety of the banks’ capital. Due to this reason, risk controlling of credit loaning to private enterprise groups will be paid close attention by commercial banks. At present, for commercial banks some hot and tough problems still existed in the administration of credit loaning to private enterprise groups, especially on the researching and controlling of affiliate transaction. The banks have to face some difficulties in academic and operational areas. Combing some theories of affiliate enterprises, affiliated transactions and other relevant concepts, this paper is standing on the perspective of the commercial banks to research on the origin of credit loaning risks to private enterprise groups, which includes internal risks caused by the company itself and the credit risks brought to the banks by the characteristics of the group companies. The internal risks are caused by the structure of cooperate governance, the characteristics of the operational strategy and so on. The risks brought to the commercial banks by the group companies originated from information asymmetry, concentricity of the credit loaning and so on. In the following part of this paper, I conclude the status and weakness of the credit management to the group companies in domestic commercial banks. Also I searched managerial experience of western commercial banks as a reference to the precaution on private enterprise groups’ affiliate transaction. The last part of this paper is from the practical point of view to focus on the countermeasures to the precaution of the credit risks. In this part, I also used DeLong’s as a case to do more analysis to support my point of view.
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