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MBA硕士论文_吴江地区担保圈风险化解问题研究DOC

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摘要
I
吴江地区担保圈风险化解问题研究
中文摘要
目前学术上对担保圈暂无统一的定义。在实践中,一般情况下我国商业银行出于
风险控制的考虑,向企业发放贷款时,都要求企业提供符合银行要求的抵质押品或保
证担保。通常理解上,给予担保圈的定义为:多家企业通过互相担保关联在一起,而
形成的以担保关系与资金链条为纽带的特殊利益集体

2008年我国政府在全国范围内启动了四万亿投资项目,一种经济急速回暖的错觉
在市场中传播,但实际上,市场的消费能力依旧不足,需求仍然处于低位。同时,银
行信贷政策也随之放松。在宽松的货币政策刺激下,不少企业主开始向商业银行大肆
举债用于扩大产能或对外投资,企业的负债水平急速提高。其中,很多企业由于无法
提供足额抵押资产,为了能够从银行获得信贷资金,遍通过担保方式完成融资,企业
间的互保现象逐步显现。通过上下游或其他关联关系,多家企业间逐渐形成这种互保
及连环担保关系,导致担保责任相互传递,从而造成资金链关系相互影响,担保圈逐
步形成

四万亿巨额投资的影响逐渐淡去,全国经济下行趋势明显,企业的经营效益严重
下滑,对外投资收益出现显著下降甚至出现亏损。银行信贷政策随之调整,,然而于
此同时,不少企业由于前期发展思路错误,经营出现问题,资金链越来越紧,直至完
全断裂。在一家企业出险之后,担保圈的其他成员也会很快被传递到风险,顷刻间形
成“多米诺骨牌效应”,造成系统性风险,对经济发展产生重大不利影响

本论文首先对研究的对象、相关的理论依据和研究经验进行交待,在此基础上通
过回顾吴江地区经济发展的历程及吴江地区担保模式演变的过程,企图寻找到其之间
的关联性,之后从政府的政策导向,银行的经营趋向和企业的发展指向及三个主体之
间的关系出发,分析担保圈产生的真实原因,并从政府、银行、企业等多重视角对担
保圈的危害进行阐述,通过对吴江地区担保圈的化解的实际案例的研究,来进一步反
思目前在担保圈风险化解过程中存在的不足。通过理论与实例的结合,提出政府、银中文摘要 吴江地区担保圈风险化解问题研究
II
行、企业在化解及防范担保圈风险过程中的可行性措施,最终通过制度创新、业务创
新等多种手段实现政府、银行、企业三方共赢,实现区域经济的可持续发展

关键词:担保圈、不良贷款、风险控制
作 者:蒋昕
指导老师:贝政新吴江地区担保圈风险化解问题研究 英文摘要
III
The Research on the Risk Resolution of Guarantee
Circle in Wujiang
Abstract
At present, there is no uniform definition of the guarantee circle. In practice, under
normal circumstances, China&39;s commercial banks for risk control considerations, to the
enterprise loans, require enterprises to meet the bank requirements to meet the collateral or
guarantee guarantee. Generally understood, given to the guarantee circle is defined as: a
number of enterprises through mutual guarantees linked together, and the formation of the
relationship between the security and capital chain as a link to the special interests of the
collective.
In 2008, China&39;s government launched a four trillion investment project nationwide, a
kind of economic rapid warming in the market spread, but in fact, the market&39;s spending
power is still insufficient, the demand is still low. At the same time, the bank credit
policy also will be relaxed. In the loose monetary policy stimulus, many business owners
began to commercial banks to borrow money for the expansion of production or foreign
investment, corporate debt levels increased rapidly. Among them, many enterprises can
not provide sufficient mortgage assets, in order to be able to obtain credit funds from banks,
through the way to complete the financing of security, mutual trust between enterprises
gradually appear. Through upstream and downstream or other related relations, a number
of enterprises gradually formed between the mutual insurance and chain guarantee
relationship, resulting in the transfer of the responsibility to each other, resulting in the
relationship between the capital chain relationship, the guarantee cycle gradually formed.
The impact of four trillion huge investment gradually fade, the national economic
downturn is obvious, a serious decline in business efficiency, foreign investment income
fell significantly or even a loss. Bank credit policy with the adjustment, but at the same
time, many companies because of pre-development ideas wrong, business problems,
funding chain more and more tight, until completely broken. After the risk of an
enterprise, the other members of the guarantee circle will soon be passed to the risk, the
moment to form a domino effect, resulting in systemic risk, a significant negative impact
on economic development.英文摘要 吴江地区担保圈风险化解问题研究
IV
This paper first analyzes the object of the study, the relevant theoretical basis and the
research experience, on the basis of reviewing the process of economic development in
Wujiang area and the evolution of Wujiang area guarantee mode, attempting to find the
correlation between them From the government policy guidance, the bank&39;s business trends
and the development of enterprises and the relationship between the three main points of
departure, analysis of the true cause of the guarantee circle, and from the government,
banks, enterprises and other aspects of the guarantee circle of harm , Through the Wujiang
area guarantee circle to resolve the actual case study to further reflect on the current risk in
the guarantee circle to resolve the process of the shortcomings. Through the combination
of theory and example, put forward the government, banks, enterprises in the process of
defusing and guarding the risk of the guarantee cycle of the measures, and ultimately
through the system innovation, business innovation and other means to achieve the
government, banks, enterprises win- Economic sustainable development.
Keywords: guarantee circle, bad loan, risk control
Written by:Jiang Xin
Supervised by:Bei Zhenxin目 录
第一章 绪 论........1
一、研究的背景和意义....1
(一)研究背景.1
(二)研究意义.3
二、研究方法、思路及框架........4
(一)研究方法.4
(二)研究思路.4
(三)文章框架.4
(四)文章创新.5
第二章 相关理论简介与文献回顾6
一、相关理论........6
(一)信息不对称理论.6
(二)信贷配给理论.....6
(三)供求理论.6
(四)相关性原理.........7
(五)外部性理论.........7
(六)风险理论.8
二、研究综述及简要评析8
(一)国外文献综述.....