银行作为建设工程保证担保主体的关键风险研究

银行保证担保作为建设领域担保制度的重要组成部分,在实践中得到了广泛应用.为了解决银行在提供保证担保时,由于缺乏对担保关键风险要素的考察而增加担保面临的风险问题,本文在对担保领域的专家学者进行问卷调查地过程中提炼出7个风险要素.在此基础上,通过建立数学模型,采用统计分析的方法,识别出银行担保过程中的4个关键风险指标,即承包商信誉、原材料市场的稳定性、承包商实力和劳资纠纷.基于本文的研究成果,银行在对建设工程提供保证担保时,可以通过重点考察以上4个指标决定是否提供担保以及收取保费的多少等一系列问题,实现降低承保风险的目的.

On the key risk of banks as the assured guarantee subject for construction engineering

Bank assured guarantee is widely used in practice as an important part in the construction field guarantee system.In order to reduce the risk banks would face when the investigations into key risk elements are inadequate,this paper highlights seven risk factors on the basis of a questionnaire to the experts and scholars in the field.Through establishing mathematical models and adopting statistical analysis,this paper identifies four key risk indexes in the process of bank guarantee process,namely contractor credit,raw materials material stability,the strength of contractor and the disputes.With the research results,banks can inspect the four indicators to decide whether they should provide guarantees and how much the guarantee premium etc.would be in order to reduce the guarantee risk when they provide guarantee for construction engineering.