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在经济下行周期,很多家族民营企业由于内部治理机制、市场风险、行业风险等综合因素而导致资金链断裂引起的信贷风险。因此,从信贷审查审批的角度来揭示闽南一带家族民营企业治理机制的内在缺陷、抗风险能力弱、市场反应能力不敏感等特点,阐述信贷审查审批中存在的误区及难点,从而提出在民营家族企业信贷审查审批时应如何转型的几点思考。
During the economic downturn, many family-owned private enterprises, due to the combination of internal governance mechanism, market risk and industry risk, lead to credit risk caused by the break of the capital chain. Therefore, from the perspective of credit examination and approval, this paper reveals the inherent defects of the family-owned private enterprise governance mechanism in Minnan area, weak anti-risk ability and insensitivity to market responsiveness. It also elaborates the errors and difficulties in credit examination and approval, How to Change Corporate Credit Review and Approval When Approving.