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银行是以信用中介为其最基本职能,发放信用贷款可以说是其本源业务,担保应该仅仅作为一种风险缓释工具。国际上一些先进银行在良好的内控和外部信用环境的基础上,发放信用贷款的占比相对较高,很少依赖担保方式,风险管理手段和技术相对成熟。国内虽然也出现了浙江泰隆银行等专注于发放小企业信用贷款的银行,但总体上看中资银行机构发放贷款普遍较高程度地依赖担保,担保贷款占比逐渐走高,信用贷款业务呈现萎缩态势。本文以安徽省银行机构情况为例,对此进行一些分析与思考。
As a credit intermediary, a bank is its basic function. Issuing a credit loan can be regarded as its source business. The guarantee should only be used as a risk mitigation tool. Some advanced international banks have a relatively high proportion of credit loans on the basis of good internal control and external credit environment. They seldom rely on guarantee methods and their risk management methods and technologies are relatively mature. Although domestic banks such as Zhejiang Tailong Bank, which focus on issuing credit loans to small enterprises, have also emerged in China, the loans granted by Chinese-funded banking institutions generally depend on guarantees to a higher degree. The proportion of secured loans is gradually getting higher and the credit loan business is in a contraction . In this paper, the banking institutions in Anhui Province, for example, to do some analysis and thinking.