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近年来,作为经济上行周期解决企业融资难的“互保联保”融资模式,业已演变成为下行周期遏制企业生存的桎梏。河南省部分民营中小企业活跃的市县也不断暴发担保链风险,由于担保链条呈网状分布,波及面广、涉及企业多、处置难度大,既严重威胁各商业银行的资产安全,也影响担保圈内的一些好企业的经营与发展。本文以新乡市担保圈现状为例进行原因分析,对新乡市风险化解工作进行总结,提出了操作性较强的风险化解防控措施。
In recent years, as the economic upward cycle to solve the difficulties of corporate financing “mutual insurance ” financing model, has evolved into a downward cycle to curb the survival of enterprises. Some cities and counties in Henan Province, where private SMEs are active, have also continuously exposed the risk of the guarantee chain. Since the guarantee chain is distributed in a reticular pattern, involving a large number of enterprises and being difficult to handle, it not only seriously threatens the assets of commercial banks, but also affects the guarantee Circle of some good business management and development. In this paper, Xinxiang City, the status quo as an example to conduct a risk analysis of the risk of Xinxiang City, to sum up the work, put forward a strong operational risk prevention and control measures.