Case Study On The Guaranteed Loan Of S Bank To A Company

In loan business, commercial banks understand about the enterprise’s informationfar less than the enterprise itself, in order to prevent credit risks leaded by informationasymmetry, commercial banks tend to require companies to provide security. There arethree kinds of security: mortgage, pledge and guarantee, guarantee is the most widelyused.In the case of guarantee, the commercial banks require the guarantor take the risksbefore the banks, to achieve the purpose of transferring risks. But in fact, there are manyfactors that make the results of guarantee unsatisfactory, and the commercial bankssuffers losses, affect the financial stability of our country. According to the developmentstatus of our guaranteed loans, propose effective preventive measures to make sure theeffectiveness of the guarantee.The first chapter of this thesis briefly discusses the definition，the modes and thefeatures of guaranteed loans, then introduce the case of this thesis: a guaranteed loan of SBank to A company.The second chapter is the comment of the case, put forward the advantages anddisadvantages of this guaranteed loan. Then discusses the causes of these risks in threeaspects: the creditor, the debtor and the guarantor.The third chapter puts forward some suggestions, such as improve the operationalcapacity of the staff, conduct comprehensive and objective pre-loan investigation, choosea reasonable guarantor, give full play to the role of guarantor and strengthen post-loansupervision.Only have a clear understanding of the risks and their causes, continuously improvethe system of guaranty loans, take various measures to ensure the validity of theguarantee, efficiently protect credit risks, can ensure credit safety of commercial banksand promote the development of our socialist market economy.