“后危机”时代我国商业银行地方政府融资平台贷款风险及防控对策

发布时间：2018-04-05 00:15

本文选题：地方政府融资平台　切入点：层次分析法　出处：《中国经济问题》2011年04期

【摘要】：地方政府融资平台是我国特殊经济环境和政策背景下的产物,是后危机时代关注的焦点。为有效应对2008年危机,我国政府推出了一系列经济刺激计划,同时各地政府也纷纷组建各类融资平台机构,进行大规模的融资活动。如此快速的巨额融资规模增长,不仅加大了地方政府债务负担,也对银行业经营风险形成显著的潜在压力,导致政府信用风险和银行信贷风险急剧放大,引起了学术界、监管当局和政府的高度关注。本文建立了政府偿债能力、偿债意愿、借款主体、项目本身、行业投向以及宏观经济6个风险信息维度,引入层次分析法建立评分体系,采用国际通用评级主标尺,全方面对地方政府融资平台贷款项目的信贷风险进行识别、度量、监测和控制,为我国商业银行政府融资平台公司贷款的风险度量和信贷投放决策提供了一个理论和应用指导工具。
[Abstract]:The local government financing platform is the product of our country's special economic environment and policy background, and is the focus of attention in the post-crisis era.In order to effectively deal with the 2008 crisis, our government has launched a series of economic stimulus plans, at the same time, local governments have also set up various financing platform institutions to carry out large-scale financing activities.Such a rapid and huge increase in financing scale not only increases the local government debt burden, but also forms a significant potential pressure on the banking operation risk, which leads to the sharp enlargement of the government credit risk and the bank credit risk, and causes the academic circles.The regulatory authorities and the government are highly concerned.This paper establishes six dimensions of risk information, such as government solvency, willingness to repay debt, subject of loan, project itself, industry investment and macro economy, and introduces AHP to establish rating system.To identify, measure, monitor and control the credit risk of local government financing platform loan projects in all aspects,It provides a theoretical and applied guidance tool for the risk measurement and credit decision of the government financing platform of commercial banks in China.
【作者单位】：西南财经大学;
【基金】：教育部人文社会科学规划项目09YJAZH077资助西南财经大学“211工程”三期建设项目资助四川省金融学会2010年度重大课题
【分类号】：F832.4

【参考文献】