CAJ | 학술논문

文章基于当前部分银行不良信贷数据、部分企业财务和融资数据等，对新形势下普遍出现的企业信用危机这一现象进行了深入的研究。通过采用理论联系实际、归纳与演绎、实证和规范分析等方法，对当前企业信用危机出现的原因进行了全面分析，揭示了新形势下实体企业出现信贷和信用危机是政府、金融机构、企业等多方助推的必然结局，而担保、关联、资金等因素加剧了危机的扩散。文章在新形势下企业信用危机的传导模式、危机对经济金融运行的影响、危机预警机制的建立等方面取得了一定的研究成果。通过研究，意在提醒实体企业在今后的经营和发展中应注意融资的适度性、融资担保的合理性等问题，也希望能对金融机构和政府服务机构在推动金融发展、控制金融风险方面起到一定的借鉴意义。
문장기우당전부분은행불량신대수거、부분기업재무화융자수거등，대신형세하보편출현적기업신용위궤저일현상진행료심입적연구。통과채용이론련계실제、귀납여연역、실증화규범분석등방법，대당전기업신용위궤출현적원인진행료전면분석，게시료신형세하실체기업출현신대화신용위궤시정부、금융궤구、기업등다방조추적필연결국，이담보、관련、자금등인소가극료위궤적확산。문장재신형세하기업신용위궤적전도모식、위궤대경제금융운행적영향、위궤예경궤제적건립등방면취득료일정적연구성과。통과연구，의재제성실체기업재금후적경영화발전중응주의융자적괄도성、융자담보적합이성등문제，야희망능대금융궤구화정부복무궤구재추동금융발전、공제금융풍험방면기도일정적차감의의。
Based on current adverse credits records from some banks, business finance and financing data from some enterprises, there is an advanced research on normal business credit crisis, which starts appearing in recent years with new situation. Here is a comprehensive analysis about reasons, which relate current business credit crisis, and reveals, which illustrate that business credit crisis is the inevitable results from governments, financial institutions and enterprises by methods of integrating theory with practice, induction and deduction, empirical and normative analysis. At the same time, guarantee, relevance and funds accelerate the spread of crisis. The research results from the transmission mechanism of business credit crisis , effect on economy and warning system under new situation are included. The research aims to draw the attention from entity enterprises to moderation of financing and rationality of the guarantee in the future management and development, and hopes that the research will be useful on promoting financial development and controlling financial risk of governments and financial institutions.