前些天又传来一个客户不还款的消息,最后是担保人代偿的,这是纯粹的信用风险。刚刚放松的心情又沉重起来,之所以沉重,并不是这一个客户不还,联保的其他两户也很难。很多企业都不怎么赚钱,扛着大量的贷款硬撑,其实都在为银行打工,一年能有20%的纯利润已经很不错,再给银行百分之十几,自己所剩寥寥无几。如今我们面临的,不仅是金融危机,还有金融危机引发的信用危机,银行不敢贷款,企业不敢赊账,更为严重 A few days ago came another news of customers do not repay, and finally the guarantor to compensate, this is a pure credit risk. Just relaxed mood and heavy, the reason why heavy, not a customer does not return, UNPROFOR’s other two is also very difficult. Many companies are not very profitable, carrying a large number of loans, but in fact, working for the bank, a year to 20% of the net profit has been very good, give the bank more than a dozen, left only few. Now we are faced with not only the financial crisis, but also the credit crisis triggered by the financial crisis, the banks are afraid to lend, the enterprises can not credit, the more serious