G银行BLH火电项目银团贷款风险管理分析

发布时间：2018-06-06 12:19

本文选题：银团贷款 + 风险管理　；参考：《广东商学院》2013年硕士论文

【摘要】：银团贷款以融资金额大、贷款期限长和风险分散的优势，已经成为国际资本市场上最重要的融资渠道之一，并呈现出持续增长的良好态势。而国内银团贷款的相关理论及银团融资创新形式发展相对缓慢，如何加快银团贷款业务发展，逐步提升融资风险管理能力已成为国内商业银行面临的重大课题。本文对银团贷款及风险管理的相关理论进行梳理，以风险管理作为切入点，采用定性与定量分析相结合的方法，分析了以国内G银行作为牵头行的BLH火电项目银团贷款融资项目，并针对该银团贷款项目的潜在风险提出管理措施。本文首先采用了SWOT分析方法，对BLH火电项目的内部环境和外部环境进行分析，从优势、劣势、机会和威胁四个维度识别该项目的可行性以及潜在的风险；然后通过企业财务状况分析，对BLH企业在盈利能力、营运能力、偿债能力、发展能力、资产管理效益等方面的财务指标进行评估，运用现金流量模型对BLH银团贷款项目的未来现金流量进行定量分析，得出该银团贷款项目的风险及其影响程度；最后根据整个项目的银团贷款风险分析结果提出措施建议：一是建立银团参贷行间定期信息交流制度；二是建立银团贷后管理责任制及定期通报制度；三是建立项目定期压力测试制度；四是建立银团贷款风险转移制度；五是建立银团贷款合同内容动态调整机制。本文通过对以G银行作为牵头行的BLH火电项目银团贷款的风险管理进行分析，，具有理论和实际应用意义：一方面是补充和丰富了我国银团贷款所涉及的领域和风险管理理论，促进我国有关银团贷款风险问题的进一步研究；另一方面是为国内其他商业银行开展相关或者类似项目的银团贷款业务提供了借鉴和参考，有利于我国商业银行完善自身的业务种类，规范银团贷款的风险管理模式，提高商业银行在银团贷款业务上的竞争力。
[Abstract]:It has become one of the most important financing channels in the international capital market , which has become one of the most important financing channels in the international capital market , which has become one of the most important financing channels in the international capital market .

Based on the analysis of the internal environment and external environment of BLH project , this paper analyzes the internal environment and external environment of BLH project , and identifies the feasibility and potential risks of this project from the four dimensions of advantages , disadvantages , opportunities and threats .
Then , the financial indexes of BLH enterprise ' s profitability , operation ability , debt service ability , development ability , asset management benefit etc . are assessed by enterprise financial situation analysis , and the future cash flow of BLH syndicated loan project is analyzed quantitatively by using cash flow model .
Finally , according to the analysis result of the whole project ' s credit risk analysis , the author puts forward some suggestions : one is the establishment of the regular information exchange system of syndicated loan ;
Second , the establishment of post - loan management responsibility system and regular reporting system ;
Third , establish the periodic pressure test system of the project ;
The fourth is to establish the system of bank loan risk transfer ;
The fifth is to establish the content dynamic adjustment mechanism of syndicated loan contract .

This paper analyzes the risk management of the BLH project of BLH project , which takes the G - bank as the leading bank , and has the theoretical and practical significance : on the one hand , it supplements and enriches the field and risk management theory involved in our country ' s syndicated loan , and promotes the further research on the loan risk in China .
On the other hand , it provides reference and reference for the syndicated loan business of other commercial banks in China , which is beneficial to China ' s commercial banks to improve their own business categories , regulate the risk management mode of syndicated loans , and improve the competitiveness of commercial banks in syndicated loan business .
【学位授予单位】：广东商学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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