重庆理工大学学报（社会科学版）
重慶理工大學學報（社會科學版）
중경리공대학학보（사회과학판）
Journal of Chongqing Institute of Technology
2015年
9期
1-5
,共5页
金融风险%风险处置%债务重组%担保链%温州
金融風險%風險處置%債務重組%擔保鏈%溫州
금융풍험%풍험처치%채무중조%담보련%온주
financial risk%risk disposal%debt restructuring%guarantee chain%Wenzhou
2012年以来，温州正规金融体系风险不断暴露，暴露过程持续时间长、规模大，风险沿企业担保链蔓延，处置难度大。相关部门采取了一系列措施，如建立政府主导的风险处置协调机制，对风险企业进行差异化帮扶或处置；大力推动不良贷款核销，强化风险处置的司法保障，维护金融生态环境。这些措施取得了一些成效，但也存在不足，例如损失共担机制未有效建立，实质性债务重组尚未启动，风险处置受到不少政策和体制制约，打击“逃废债”的力度仍显不够。尽管如此，温州做法仍是一次有益探索，对化解和防范地区性金融风险具有重要启示。
2012年以來，溫州正規金融體繫風險不斷暴露，暴露過程持續時間長、規模大，風險沿企業擔保鏈蔓延，處置難度大。相關部門採取瞭一繫列措施，如建立政府主導的風險處置協調機製，對風險企業進行差異化幫扶或處置；大力推動不良貸款覈銷，彊化風險處置的司法保障，維護金融生態環境。這些措施取得瞭一些成效，但也存在不足，例如損失共擔機製未有效建立，實質性債務重組尚未啟動，風險處置受到不少政策和體製製約，打擊“逃廢債”的力度仍顯不夠。儘管如此，溫州做法仍是一次有益探索，對化解和防範地區性金融風險具有重要啟示。
2012년이래，온주정규금융체계풍험불단폭로，폭로과정지속시간장、규모대，풍험연기업담보련만연，처치난도대。상관부문채취료일계렬조시，여건립정부주도적풍험처치협조궤제，대풍험기업진행차이화방부혹처치；대력추동불량대관핵소，강화풍험처치적사법보장，유호금융생태배경。저사조시취득료일사성효，단야존재불족，례여손실공담궤제미유효건립，실질성채무중조상미계동，풍험처치수도불소정책화체제제약，타격“도폐채”적력도잉현불구。진관여차，온주주법잉시일차유익탐색，대화해화방범지구성금융풍험구유중요계시。
Since 2012,the formal financial system in Wenzhou risk has been exposing,and the expo-sure has long duration,and is large scale and its risk is spreading along the chain of enterprise guar-antee and has difficult in disposal.Related departments adopted a series of measures,such as to es-tablish a government-led risk management coordination mechanism,to have differentiation support or to disposition of the enterprise risk,to push non-performing loans cancel after verification,to strength-en the risk management of the judicial protection,to maintain financial ecological environment and so on.These above measures made some achievements,but there is also insufficient,such as that the loss sharing mechanism is not effective to establish,and the substantial debt restructuring has not yet been launched,the risk management is restricted by many policy and institutional,and the magnitude of the blow “enforcement”is still not enough.However,practice in Wenzhou is still a useful explora-tion,which has important enlightenment to resolve and prevent regional financial risks.
