商业银行对地方融资平台贷款的风险研究
发布时间：2018-12-13 20:48
【摘要】：地方融资平台是在我国特殊的国情背景下，地方政府投融资改革产生的一种新型投融资体系，，始于上世纪九十年代。在2008年金融危机后，地方融资平台的数量呈现快速发展趋势，无论是在数量上还是在融资规模上都达到历史最高峰。地方融资平台在一定程度上缓解了中央政府与地方政府在财权和事权不匹配的矛盾，其强大的筹资能力有力地推动了我国基础设施建设，并为我国应对国际金融危机发挥了重要作用。但是银行贷款作为地方融资平台最主要的融资方式，在其资金来源中占有绝大部分份额，规模庞大的地方融资平台贷款给整个金融系统尤其是银行业带来了不可忽视的风险隐患。特别是在2011年云投债和上海城投出现信用违约风险事件之后，地方融资平台贷款一时被推向风口浪尖。自2012年之后，地方政府的偿债能力下降较快，无疑进一步加大了地方融资平台贷款的风险。在这种背景下，研究商业银行如何防范地方融资平台贷款风险就显得十分紧迫和重要。 本文着重研究了商业银行对地方融资平台贷款的现状，阐明了商业银行对地方融资平台贷款主要存在政策变动性风险、法律风险、偿付能力风险、流动性风险和贷款集中度风险等，最后在分析探明风险的基础上，提出商业银行应对地方融资平台贷款风险的具体对策，以期促进商业银行进行全面风险管理和可持续发展。
[Abstract]:Local financing platform (LFP) is a new investment and financing system produced by the reform of local government investment and financing under the background of our country's special national conditions, which began in the 1990s. After the financial crisis in 2008, the number of local financing platforms showed a rapid development trend, both in terms of quantity and financing scale have reached a historical peak. To a certain extent, the local financing platform alleviates the contradiction between the central government and the local government in the mismatch between the financial power and the administrative power, and its powerful financing ability has given a powerful impetus to the construction of infrastructure in our country. And for our country to deal with the international financial crisis has played an important role. However, bank loans, as the most important means of financing for local financing platforms, account for the vast majority of their funding sources. The huge loan of local financing platform brings risks to the whole financial system, especially the banking industry. In particular, in 2011 after the cloud debt and Shanghai City Investment in the event of credit default risk, local financing platform loans were temporarily pushed to the forefront of the storm. Since 2012, the ability of local governments to repay debt has declined more rapidly, undoubtedly further increasing the risk of lending through local financing vehicles. Under this background, it is very urgent and important to study how to prevent the loan risk of local financing platform. This paper focuses on the current situation of commercial banks lending to local financing platform, and clarifies that commercial banks mainly have the risk of policy change, legal risk, solvency risk to local financing platform loan. Finally, on the basis of analyzing the proved risk, the paper puts forward the concrete countermeasures for commercial banks to deal with the loan risk of local financing platform, in order to promote the overall risk management and sustainable development of commercial banks.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2377218
[Abstract]:Local financing platform (LFP) is a new investment and financing system produced by the reform of local government investment and financing under the background of our country's special national conditions, which began in the 1990s. After the financial crisis in 2008, the number of local financing platforms showed a rapid development trend, both in terms of quantity and financing scale have reached a historical peak. To a certain extent, the local financing platform alleviates the contradiction between the central government and the local government in the mismatch between the financial power and the administrative power, and its powerful financing ability has given a powerful impetus to the construction of infrastructure in our country. And for our country to deal with the international financial crisis has played an important role. However, bank loans, as the most important means of financing for local financing platforms, account for the vast majority of their funding sources. The huge loan of local financing platform brings risks to the whole financial system, especially the banking industry. In particular, in 2011 after the cloud debt and Shanghai City Investment in the event of credit default risk, local financing platform loans were temporarily pushed to the forefront of the storm. Since 2012, the ability of local governments to repay debt has declined more rapidly, undoubtedly further increasing the risk of lending through local financing vehicles. Under this background, it is very urgent and important to study how to prevent the loan risk of local financing platform. This paper focuses on the current situation of commercial banks lending to local financing platform, and clarifies that commercial banks mainly have the risk of policy change, legal risk, solvency risk to local financing platform loan. Finally, on the basis of analyzing the proved risk, the paper puts forward the concrete countermeasures for commercial banks to deal with the loan risk of local financing platform, in order to promote the overall risk management and sustainable development of commercial banks.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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