地方政府融资平台贷款风险与对策研究

发布时间：2018-04-14 21:56

本文选题：地方政府融资平台 + 贷款　；参考：《海南大学》2013年硕士论文

【摘要】：2008年全球金融危机爆发,为应对危机我国采取了一系列救市措施,其中包括拉动内需的四万亿投资计划。此后,各地方为解决项目配套资金不足的问题纷纷组建地方政府融资平台。地方融资平台的建立不仅缓解了地方政府财政资金不足问题,同时也为商业银行等金融机构的发展带来了机遇。随着地方融资平台的不断发展壮大,地方融资平台贷款余额也屡创新高,根据银监会统计数据,2010年地方融资平台贷款余额达9.1万亿,对同年地方财政收入占比为221.9%,显然这已超出了地方政府的偿还能力。为避免政府发生违约风险进而造成金融行业系统性风险,2010年至今相关部门每年都会发布有关地方融资平台贷款的通知或意见。显然如何客观清楚地认识和防范地方融资平台贷款风险对地方政府和商业银行都极其重要。本文的内容体系由五部分组成：第一部分为导论,包括选题的背景、意义、国内外研究现状和研究的方法与思路；第二部分主要介绍地方政府融资平台的基本理论,包括地方政府融资平台的涵义、理论基础、发展历程和相关模式；第三部分主要对地方政府融资平台贷款的发展现状进行分析,首先对地方政府融资平台的数量和结构进行分析,然后又对地方政府融资平台贷款的规模、结构和用途进行详细的分析,进而全面了解我国地方融资平台贷款的现实状况,为后面的论述提供一定的参考；第四部分主要介绍地方政府融资平台贷款的风险表现和成因；第五部分主要从政府、商业银行和地方政府融资平台三方提出有针对性的解决对策。
[Abstract]:The global financial crisis in 2008, in response to the crisis, China has taken a series of measures to rescue the market, including four trillion investment plan to boost domestic demand. Since then, the local project to solve the matching problem of insufficient funds have a local government financing platform. The establishment of local financing platform not only alleviate the problem of local government financial funds, but also bring the opportunity for the development of commercial banks and other financial institutions. With the continuous development of local financing platform expansion, local financing platform loans also hit record highs, according to the CBRC statistics, the balance of loans in 2010 local financing platform reached 9 trillion and 100 billion, the same year the local fiscal revenue accounted for 221.9%, obviously this is beyond the local government the ability to repay. In order to avoid the government defaulting risk causing systemic risk in the financial industry since 2010, the relevant departments will publish annually Notices or opinions about loan of local financing platform. Obviously, how to objectively and clearly understand and prevent the risk of loan from local financing platform is extremely important for local governments and commercial banks.
This system consists of five parts: the first part is the introduction, including the background, significance, methods and ideas of the research status; the second part mainly introduces the basic theory of local government financing platform, including local government financing platform the connotation, theoretical basis, development process and related model; the third part the development status of the local government financing platform is analyzed, firstly analyzes the quantity and structure of local government financing platform, and then to the local government financing platform scale, structure and application of a detailed analysis, and fully understand the reality of local financing platform loans in China, provide a reference for the following discuss; the fourth part mainly introduces the performance and the causes of the risk of loans to local government financing platform; the fifth part mainly from the government, taking Ye Yin The three parties to the financing platform of the local government and the local government put forward a targeted solution.

【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F127

【参考文献】