A Study On The Risk Of The Entrusted Loans Between Non-related Enterprises

In recent years,commercial banks generally tightened the credit for small and medium enterprises,the financing problem of the small and medium enterprises is increasingly obvious,but there are also many high-quality enterprises on the market with a large number of idle funds.The emergence of entrusted loans to a certain extent to solve these problems.The Sunnyloantop corporation is the earliest one of the issuance of non-related loan company which has many years of experience,and the amount of the non-related loan of this company is very representative.Through the study of the non-related entrusted loans of the Sunnyloantop corporation,we find that the non-related entrusted loans has the characteristics of high interest rates,short duration and large amount,it also has brought huge benefits for the company,but because the loans mainly invested in the real estate industry which has a higher risk,it also brings great risk for the company.Then we analyzed all kinds of risks including credit risk,market risk,operational risk and liquidity risk that the loans face.And then analyze the deficiencies of the Sunnyloantop corporation in risk management through the comparison with the corporate loans of commercial bank,and the countermeasures for the risks,and analyze the effectiveness of the risk management of the Sunnyloantop corporation through the whole loan data and the loan of the Xiangshan real estate development company,and then points out that the risk management problems that still exists in the process of risk management.At last,put forward some suggestions about internal management and external oversight to the company that issues the non-related entrusted loans.