【摘要】 在市场经济中,企业往往通过投资于其他企业来扩张经济势力,获取最大限度的利润,从而使得不同的企业之间形成控制与被控制的关系,一般称为“母子”公司。经济上的关联关系,使得对此类公司发放贷款时贷款人所面对的法律关系比对普通企业发放贷款时要复杂得多,相应的风险也高很多。因此,应研究以下问题,给信贷经营提供决策依据:1)严格审查借款人和担保人之间的投资关系,确保担保合法有效;2)关注公司对外投资额,确保担保实力;3)借款人必须为实际用款人,防止借款合同无效。更多还原

【Abstract】 In market economy, enterprises enlarge its strength through investment in other enterprises, thus forming control-and-controlled relationship between enterprises. This is called “mother-and-son” corporation. Because of the investment relationship among these enterprises, the commercial banks have to face higher legal risk. What need to do to reduce the risk is first of all to investigate the relationship between the borrower and the guarantee; second, to pay attention to the amount of investment so as to make sure the capability of the guarantee, and finally to make sure that the loan contract is legal and the credit must use the loan.更多还原