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受宏观经济下行压力加大、企业资产负债率上升、局部地区金融生态环境恶化等多因素影响,2014年以来某市企业及个人逃废银行债务的事件屡有发生,严重损害了商业银行等相关方的利益。本文对江苏省某市辖内企业及个人逃废银行债务的情况进行了调查,总结分析了企业及个人逃废银行债务的原因,介绍了银行防范企业逃废债务、加强内部风险管控的主要举措,并就当前企业及个人逃废银行债务事件中值得关注的问题提出了政策建议。
Affected by such factors as downward pressure on the macro economy, asset-liability ratio of enterprises, deteriorating financial eco-environment in some areas and so on, businesses and individuals in a certain city have escaped debts of banks and liabilities since 2014, which has seriously damaged commercial banks and other related issues The interests of the parties. This paper investigates the evasion of debts of enterprises and individuals in a city under the jurisdiction of Jiangsu Province, analyzes the reasons why banks and enterprises evade debts of banks, and introduces the major measures taken by banks to prevent enterprises from absconding debt and strengthening internal risk control , And put forward policy suggestions on the issues that deserve attention in current corporate and personal evasion of bank debt.