金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2014年
3期
109~111
,共null页
商业银行 商铺贷款 竣工验收 关联关系 信用风险
商業銀行 商鋪貸款 竣工驗收 關聯關繫 信用風險
상업은행 상포대관 준공험수 관련관계 신용풍험
commercial banks;shops loans; completed acceptance; correlation; credit risk
近几年,由于国家持续对住房实施限购、限贷政策,部分开发商资金面临持续紧张的局面,为缓解资金压力,实现提前回笼资金的目标,其往往通过商用房贷款变相获取资金.而商业银行为了完成短期考核目标,放松贷款审批条件,对借款人、开发商的关联关系缺乏应有的关注,发放的贷款面临较大的信用风险和经营性风险.首先提出审计实践中商业银行商铺贷款存在问题,其次分析了该模式下贷款面临的风险,再次提出了今后工作中关注的重点和建议,对各商业银行进一步加强商铺贷款管理有着积极的借鉴意义.
近幾年,由于國傢持續對住房實施限購、限貸政策,部分開髮商資金麵臨持續緊張的跼麵,為緩解資金壓力,實現提前迴籠資金的目標,其往往通過商用房貸款變相穫取資金.而商業銀行為瞭完成短期攷覈目標,放鬆貸款審批條件,對藉款人、開髮商的關聯關繫缺乏應有的關註,髮放的貸款麵臨較大的信用風險和經營性風險.首先提齣審計實踐中商業銀行商鋪貸款存在問題,其次分析瞭該模式下貸款麵臨的風險,再次提齣瞭今後工作中關註的重點和建議,對各商業銀行進一步加彊商鋪貸款管理有著積極的藉鑒意義.
근궤년,유우국가지속대주방실시한구、한대정책,부분개발상자금면림지속긴장적국면,위완해자금압력,실현제전회롱자금적목표,기왕왕통과상용방대관변상획취자금.이상업은행위료완성단기고핵목표,방송대관심비조건,대차관인、개발상적관련관계결핍응유적관주,발방적대관면림교대적신용풍험화경영성풍험.수선제출심계실천중상업은행상포대관존재문제,기차분석료해모식하대관면림적풍험,재차제출료금후공작중관주적중점화건의,대각상업은행진일보가강상포대관관리유착적겁적차감의의.
Abstract Recent years, facing the capital shortages, some property developers got funds from thecommercial housing loans to relieve the pressure of money and achieve the goal of capital repatriation inadvance because the government’s tense policy to the real estate. At the same time, the commercialbanks offered loans for completing the short-term performance target under the relax loan approvalconditions, their lack of attention to the relationships between the borrowers and property developersmade the loans face the bigger credit risks and operational risks. The author firstly pointed out theproblems existing in commercial banks shops loans during the auditing practices, analyzed the loansrisks under this mode and gave the suggestions for the following works. This risks found in this papergave the positive references for strengthening the management of shops loans to the commercial banks.
