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当前我国民营企业还主要采取家族企业制度形式,缺乏规范的公司治理,信息不够透明,民营企业集团客户日常授信申报中,常见隐瞒家族企业或关联企业的关系,银行对民营企业这些复杂的关联关系和担保关系难以一一识别,往往到风险暴露以后才事后知道。本文着重探讨如何识别民营企业关联关系,防范关联风险。
At present, private enterprises in our country mainly take the form of family-owned enterprise, which lacks standardized corporate governance and the information is not transparent enough. In the daily credit declaration of the customers of the private enterprise group, the relationship between the family-owned enterprises and the affiliated enterprises is commonly concealed, and the complicated association between the banks and the private-owned enterprises And the guarantee is difficult to identify one by one, often after the risk exposure to know after the fact. This article focuses on how to identify the relationship between private enterprises to prevent the associated risks.