论文部分内容阅读
企业互保是指企业之间相互为对方保证贷款,当对方无法承担还款责任时承担连带还款责任,其因能够有效解决企业借款担保难的问题,被广泛用作企业融资担保方式。但是,企业互保存在“连坐”和“抱团”效应,一旦某互保企业出现还款问题,容易牵连整个担保链条上的企业,甚至影响发展稳定。近年来,企业借款类纠纷案件数量及标的额大幅上升。涉及互保联保案件亦集中爆发,影响面广,破坏力巨大,迫切需要高度重视和妥善处置。
Enterprise mutual insurance refers to the mutual guarantee loans between enterprises, when the other party can not bear the repayment responsibility to assume the repayment responsibility, which can effectively solve the problem of corporate loan guarantees is difficult to be widely used as a corporate financing guarantee. However, the enterprise mutual insurance exists in the “sitting” and “Baotuan” effect. Once a mutual insurance company has repayment problems, it is easy to implicate the enterprises in the entire guarantee chain and even affect the stable development. In recent years, the number of corporate loan disputes and the amount of the subject to a substantial increase. Cases involving mutual guarantees and UNPROFOR have also been concentrated in the outbreak, affecting a wide range of areas with huge destructive power. They urgently need to be given high priority and properly disposed of.