天津农行银团贷款风险管理研究

发布时间：2018-01-15 05:26

本文关键词：天津农行银团贷款风险管理研究　出处：《河北工业大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的高速增长，众多的大型重点项目投入建设，这些项目往往需要巨额的资金支持，这就使得国际金融市场上普遍采用的银团贷款方式走进了国内金融市场。商业银行银团贷款是随着经济的高速增长而迅速发展起来的一种崭新的金融产品。与传统的双边贷款相比，银团贷款具有贷款金额大、时间长、参加银行多、便于分散风险以及收益可观等特点，，因而成为国际融资领域中长期贷款的重要形式。同时,银行通过参与银团贷款实现分散信贷风险，有效扩充资产规模，牵头行可获得可观的安排费收入，或者发掘潜在客户资源而开发其他业务。总之，银团贷款给银行提供了其他业务无法提供的诸多便利选择。目前银团贷款己经成为商业银行最具竞争力和盈利能力的核心业务之一，己经成为大型项目融资、企业并购等业务的重要的融资方式。但在我国，银团贷款的发展还处于起步阶段，远远落后于国际市场的发展，如何提前识别和防范银团贷款时的项目风险，实现投资收益的最大化，是银团贷款项目成败的关键。本文首先回顾了项目风险管理的相关理论与方法，对现有的商业银行银团贷款项目风险管理的理论体系进行了分析；接着，深入分析了天津农行银团贷款项目的特性及风险源；然后，应用商业银行银团贷款项目风险管理知识，对银团贷款进行风险识别、风险评估、得出风险应对策略，并进行总结和分析，最终形成一套完整的天津农行银团贷款项目风险管理方法，以指导银团贷款项目风险管理工作，提高项目管理效率、缩短项目周期、降低项目成本，从而创造最大的价值和效益。
[Abstract]:With the rapid economic growth in China, a large number of major projects into construction, these projects often need a huge amount of financial support. This makes the syndicated loan, which is widely used in the international financial market, come into the domestic financial market. The syndicated loan of commercial banks is a new financial product developed rapidly with the rapid economic growth. Compared with bilateral loans. Syndicated loan has the characteristics of large loan amount, long time, more participation in banks, easy to spread risk and considerable income, so it has become an important form of medium and long-term loans in the field of international financing. Banks can spread credit risk by participating in syndicated loans, effectively expand the scale of assets, lead banks can obtain considerable income from arrangement fees, or explore potential customer resources to develop other business. Syndicated loans offer banks many convenient options that other businesses cannot offer. At present, syndicated loan has become one of the most competitive and profitable core business of commercial banks. It has become an important financing method of large-scale project financing, enterprise M & A and other business. But in China. The development of syndicated loan is still in its infancy, which lags far behind the development of international market. How to identify and prevent the project risk in advance and realize the maximization of investment income. It is the key to the success or failure of the syndicated loan project. Firstly, this paper reviews the relevant theories and methods of project risk management, and analyzes the existing theory system of syndicated loan project risk management in commercial banks. Then, the characteristics and risk sources of the syndicated loan project of Agricultural Bank of Tianjin are deeply analyzed. Then, using the risk management knowledge of syndicated loan project of commercial banks, risk identification, risk assessment, risk response strategy, and summary and analysis are carried out. Finally, a complete set of risk management method of Tianjin Agricultural Bank syndicated loan project is formed to guide the risk management of syndicated loan project, improve the efficiency of project management, shorten the project cycle, and reduce the project cost. Thus creating maximum value and benefit.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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