Reorganization Of Enterprise Assets On Banks' Credit Risk And Countermeasures

With the establishing, perfection of market economy of China in recent years, state-owned enterprises continually adjust their management system, and the reforming & recombination of many state-owned enterprises become more and more. The Chinese state-owned enterprises recombination involved many sides' interests, including the local government, big stockholder, creditor and the minority stockholder; all the interests interweaved together have made the recombination a complex situation. On the one hand, the recombination of enterprises' assets played a positive role to industrial structure adjustment and upgrading of China. On the other hand, because of the not appropriate recombination action of the enterprises, it also had a bad influence on the interests of the minority stockholder and the enterprise creditor. And now the public opinion often pays more attention to the interests dispute between the stockholders, seldom consider from the creditor's angle. While the enterprises recombining, especially the state-owned enterprise reforms system, the creditor's interests are often ignored. With more and more recombination action of both the state-owned and the other enterprises, the enterprise creditors must take effective measures to protect their interests and rights. However, because the not perfected relevant law, the unsettled debt became more and more. This objectively has increased the financial risks of the whole country. The article review and analyses that the development of the enterprise recombination and the adverse effects to the creditor from the point of view of creditor- bank. And bring forward the settlements and relevant propose that from the aspects of external environmental conditionrequirements and the bank internal management needs.