2. The company's credit risk insured. For enterprises, to maintain a good credit relationship with banks and obtain a higher credit rating, the most important thing is to repay the principal and interest on schedule. In the case of sluggish production and operation and shortage of funds, enterprises will repay bank loans at high interest rates. 72% of the bank loans returned by the sample enterprises are bridge funds, which shows that the enterprises apparently repay on time, but their real financial information is covered up.
3. Moral hazard of bank employees. At present, the account managers of some banking institutions pay more attention to the completion of business marketing tasks and credit risk assessment indicators linked to performance appraisal, pay attention to whether enterprises can repay in full and on time, are well aware of the high cost of bridge-crossing funds of enterprises, adopt the attitude of "turning a blind eye" and condone the behavior of "robbing Peter to pay Paul".
4. Intensify the credit risk of banks. Bridge loan has spawned a series of grey financing industrial chains. There are more than 2,000 investment guarantee companies in Shangrao, which mainly engage in private financing, resulting in a vicious circle of financing in the real economy.