银行业金融机构担保圈风险化解探析

近年来，企业资金链断裂、担保圈风险爆发等事件不时见诸报端。个别企业的风险爆发通过担保圈的传导、放大，威胁到圈内其他优质企业的正常经营和银行业金融机构的资产安全，是当前商业银行和监管机构亟需解决的问题。文章简要分析了担保圈风险的形成和特征，阐述了担保圈风险化解的实践情况，并有针对性地提出担保圈风险化解的具体建议，为银行业金融机构的信贷管理与风险控制工作提供参考。

Exploration of Guarantee Circle Risk Elimination of Banking Financial Institutions

Enterprises losing access to liquidity and guarantee circle risk eruption hit the headlines recently. The risks of one individual enterprise are transmitted and amplified through the chains in the guarantee circle, which threatens the operation of other well-managed enterprises in the guarantee circle and the safety of bank assets. It is a hard nut that both the banking financial institutions and the CBRC ( China Banking Regulatory Commission) want to crack urgently. The paper describes the formation and the features in short, states the practices on guarantee circle risk elimination, and gives specific solutions to eliminate the guarantee circle risk, to provide some references for the credit and risk management of banking financial institutions.