关联企业信贷风险的法律控制研究

关联企业通过各种渠道逃避银行债务的现象日益严重，对银行的信贷资金安全构成了威胁，其所导致的风险可归纳为授信决策风险、信用虚增风险以及信用转移风险。关联企业的出现给传统法律带来了挑战，使我国《公司法》和《破产法》中三项保护债权人的机制无法有效地发挥作用，为银行债权人的保护带来诸多的新问题。针对关联企业所产生的信贷风险，应当采取加强立法保护及完善贷款合同的方式予以控制。

A Study on the Legal Control over the Credit Risks Caused by Affiliated Enterprises

Affiliated enterprises are increasingly evading bank loans payment through various channels and threatening the security of bank loans. The credit risks caused by affiliated enterprises can be classified into three kinds： risk of accrediting decision, risk of credit inflation and risk of credit transfer. Affiliated enterprises challenge traditional legal system, which results in the ineffectiveness of the three creditor-protecting mechanisms of Company Law and Bankruptcy Law and brings about many new problems in the protection of bank creditors. To control the relevant credit risks, legislative protection should be strengthened and loan contract be perfected.