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严格客户担保准入管理,强化贷后管理能力,加大风险排查力度,建立前瞻性退出机制在吸取钢贸行业不良贷款前车之鉴的教训后,上海地区各家银行对担保圈的风险特征及潜在的隐患均有较为深刻的认识,在严格准入、专项排查、抱团帮扶、分类管理、核销诉讼、监测预警等方面加大力度,以更好地防控关联企业贷款、担保圈企业贷款、循环担保贷款风险,避免企业资金链断裂引发连锁反应,防止信用风险传染放大。上海农商银行根据监管部门的相关要求,结合本地区担保圈风险的相关特点及工作实践,
Strict customer guarantee access management, strengthen the post-loan management capabilities, increase risk investigation efforts to establish a proactive exit mechanism in learning from the lessons learned from the non-performing loans of steel trade industry, the banking sector in Shanghai on the risk characteristics of the guarantee ring and the potential Hidden dangers are more profound understanding of the strict access, special investigation, Baotuan help, classification management, verification procedures, such as monitoring and early warning to step up efforts to better prevent related corporate loans, corporate loans secured circle, Cyclically guarantee the loan risk and avoid the chain reaction caused by the breaking of the capital chain of the enterprise and prevent the amplification of credit risk infection. According to the relevant requirements of the regulatory authorities and in combination with the relevant characteristics and working practices of risk in the local bond circle, Shanghai Rural Commercial Bank,