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集团法人客户关联交易频繁,关系复杂、隐蔽,法律特征独特,在授信业务过程中,存在着比单一法人客户更为严重的法律风险。集团法人客户内部关联交易频繁、资金串用和相互担保较多,一旦资金链断裂,将会给银行带来巨大的信贷资金损失。集团法人客户授信业务的法律风险存在于授信业务的整个流程,其法律风险的防范可分为授信前、授信中、授信后三个方面。授信前法律风险的防范商业银行应准确界定企业集团内部各成员的法律地位及相互关系,对企业集团
Group corporate clients frequent related party transactions, complex relationships, covert, unique legal characteristics in the credit business process, there is more serious than a single legal corporate legal risks. Group corporate clients frequent internal related party transactions, capital strings and mutual guarantees more, once the funding chain is broken, it will bring huge bank credit losses. The legal risks of corporate corporate credit granting business exist in the whole process of credit granting business. The prevention of legal risks can be divided into three aspects: pre-credit granting, credit granting and post-credit granting. Preventive legal risk prevention Commercial banks should accurately define the legal status of each member within the enterprise group and the relationship between the business groups