基于G公司的政府融资平台信贷风险控制

发布时间：2018-01-02 22:25

本文关键词：基于G公司的政府融资平台信贷风险控制　出处：《华南理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：政府融资平台作为我国目前地方政府进行城市建设重要的融资承贷主体，，为地方经济发展发挥了积极的作用。特别是2008年以来，随着国家一系列刺激经济政策的推出，各地政府投资项目上马，地方政府债务激增，短时间内政府融资平台贷款呈倍数增长，潜在风险有所累计。近两年监管部门把政府融资平台贷款风险列为商业银行主要的三大风险之一，把政府融资平台贷款的风险缓释作为重要指导工作。因此如何管理好政府融资平台风险，是一项重要的研究课题。本文旨在借鉴国内外研究成果的基础上，以G公司这个比较典型的政府融资平台为例，对政府融资平台的信贷风险进行分析。首先，对政府融资平台等关键概念进行阐述，结合国内外对政府融资平台理论研究基础上，阐述了本文的选题背景和意义。其次，从我国政府融资平台内涵、形成机理和各个发展阶段入手，分析了当前政府融资平台客户信贷风险的现状。然后，分析了形成政府融资平台信贷风险的原因，指出政府融资平台信贷风险主要来源于地方政府经济财政和政府融资平台自身经营情况两个要素，从而抽取两个要素中重点的八个风险衡量维度，细化为32项评分指标，采用定量和定性相结合的方式，运用政府融资平台信贷风险评分公式进行评分；并提出控制政府融资平台客户信贷风险的对策和建议。接着以G公司为例，对G公司的信贷风险进行了分析，最后提出对G公司信贷风险的对策和建议。希望该论文关于对银行政府融资平台信贷风险控制提供可行对策。
[Abstract]:As China's current government financing platform of local government loans subject of city construction important, play a positive role in the development of local economy. Especially since 2008, with the launch of a series of national policies to stimulate the economy, local government investment projects, the local government debt in a short period of time the government financing platform loans exponentially growth potential risk has accumulated. In recent years the government supervision department financing platform loan risk as one of the three major risks of commercial banks, the risk mitigation government financing platform as an important guidance. So how to manage the risk of government financing platform, is an important research topic.
This paper aims to draw lessons from the domestic and foreign research results, to G, the typical government financing platform as an example, the government financing platform for credit risk analysis. Firstly, the key concepts of government financing platform are discussed, combined with the domestic and foreign government financing platform on the basis of theoretical research, elaborated on this topic the background and significance. Secondly, from the connotation of government financing platform in China, the formation mechanism and the development of each stage, and analyzes the current situation of government financing platform credit risk. Then, analyzes the cause of formation of government financing platform credit risk, and points out that the government financing platform credit risk mainly comes from the local government finance and government financing the platform itself operates two elements, eight dimensions to measure the risk to extract the two elements of the key, divided into 32 indicators, using qualitative and quantitative The combination of the way, use of government financing platform credit risk scoring formula scoring; and put forward the control of government financing platform credit risk countermeasures and suggestions. Then take G company as an example, the G company's credit risk analysis, finally put forward the credit risk G, countermeasures and suggestions.
It is hoped that the paper will provide a feasible strategy for the credit risk control of the bank government financing platform.

【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

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