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追求利润最大化是市场经济行为主体的终极目标,商业银行亦不例外。近年来,随着我国社会主义市场经济体制的逐步建立和健全,各商业银行的信贷风险意识有所增强,善于运用《担保法》来防范信贷风险。但是,对于已经形成的不良贷款,有的甚至是呆帐、死帐,根本无法收回,当前有不少银行和非银行金融机构为清收该不良贷款,规避信贷风险,转嫁信贷损失,出现与借款人恶意串通,借新贷
The pursuit of profit maximization is the ultimate goal of market economy actors, commercial banks are no exception. In recent years, with the gradual establishment and perfection of the socialist market economic system in our country, the awareness of credit risk of commercial banks has been enhanced and they are good at using the Guarantee Law to prevent credit risks. However, for some non-performing loans that have already been formed, even some bad loans and dead loans can not be recovered at present. At present, many banks and non-bank financial institutions, in order to collect the bad loans, evade credit risks, pass on credit losses, Borrowers malicious collusion, by the new loan