吉林省B银行风电项目贷款风险控制研究

发布时间：2018-05-03 10:37

本文选题：评估 + 风险　；参考：《吉林大学》2012年硕士论文

【摘要】：项目固定资产贷款业务是商业银行信贷管理的一种，在我国商业银行经营中一直占有较高比重，商业银行项目贷款评估是对项目贷款取舍和优化的过程，是银行进行项目贷款决策的先决条件和重要步骤。B银行于上个世界80年代，通过与世界银行合作，学习世界银行的先进经验，率先在国内开展项目评估工作，经过近30年的发展，已经拥有了一套较为完整的项目风险评估体系和流程。风力发电不同于火电、水电，其主要发电技术及设备是最近20年开始逐步发展起来的，从单纯引进国外技术和设备，到国内厂商开始独立生产，并且相关技术和设备在不断更新改进，考虑到风力发电设备技术、接入送出技术的发展走向等多种问题均存在不确定性，因此如何从新的角度去识别新产业的机会与风险，是当前“风电热”下银行面临的突出问题。任何行业都存在机会与风险，风电也不例外。从长远看，风力发电与其他常规能源相比，具有资源不枯竭、发电无污染等优势，因此风电的发展是大势所趋，我国政府目前对风力发电等新能源产业鼓励发展、大力提倡，并且从电价、上网、税收等方面给予了许多优惠政策，，因此未来发展形势乐观；但在目前，由于配套电网建设薄弱，风力发电项目存在上网难、弃电现象严重、风电场普遍经营困难等现状，行业机会更多的是局部的、结构性的机会，因此商业银行应该积极审慎地对待风力发电项目贷款，主要从银行的角度上对拟贷款项目从项目建设的必要性、技术的先进合理性、财务效益、银行收益及潜在风险等方面进行全面系统的分析论证的基础上，做出全面的经济评价。本文作者通过分析发现B银行吉林省分行近期承贷的风电贷款项目在技术发展、设备制造、发电上网、贷款收益等诸多方面存在的问题，因此于2011年对省内风力发电行业进行详细调查研究，通过对风电项目贷款的风险控制进行设计，优化业务流程及建立合理的的评估监控机制，以期寻求有效的贷款风险管理控制措施。本文的具体内容主要由以下六大部分组成：前言部分；第一章是吉林省B银行风电项目贷款现状及存在问题；第二章是吉林省B银行风电项目贷款现存问题分析；第三章是吉林省B行风电项目贷款的风险控制设计；第四章是吉林省B行风电项目贷款评估的保障和实施；最后是全文的思考与结论。本文通过评估实例，从多方面入手，进行分析论证，解决了未来B银行如何设计风电行业贷款风险评估指标；如何设计风电行业风险评估步骤和流程；如何保障风电行业贷款风险控制的有效执行等方面的问题，对全面揭示风力发电项目贷款风险起到了关键和决定性的作用。
[Abstract]:The project fixed assets loan business is a kind of commercial bank credit management, has been occupying the high proportion in our country commercial bank management, the commercial bank project loan appraisal is to the project loan choice and the optimization process, It is a prerequisite and an important step for banks to make project loan decisions. In the 1980s, through cooperation with the World Bank and learning from the advanced experience of the World Bank, Bank B took the lead in carrying out project evaluation work in China. After nearly 30 years of development, has a relatively complete project risk assessment system and process. Wind power generation is different from thermal power, hydropower, its main power generation technology and equipment has been gradually developed in the last 20 years, from simply introducing foreign technologies and equipment to domestic manufacturers starting to produce independently. And the related technology and equipment are constantly updating and improving, considering the uncertainty of wind power equipment technology and the development trend of the access and delivery technology, so how to identify the opportunities and risks of the new industry from a new perspective, Is the current "wind, electric heating" under the outstanding problems faced by banks. There are opportunities and risks in any industry, and wind power is no exception. In the long run, compared with other conventional energy sources, wind power generation has the advantages of unexhausted resources and no pollution, so the development of wind power is the trend of the times. At present, the Chinese government is encouraging the development of new energy industries such as wind power generation, and vigorously advocating the development of new energy industries, such as wind power generation. And many preferential policies have been given from the aspects of electricity price, Internet access and taxation, so the future development situation is optimistic. But at present, due to the weak construction of supporting power grids, it is difficult for wind power generation projects to access the Internet, and the phenomenon of abandoning electricity is serious. Wind farms are generally difficult to operate, and the opportunities in the industry are more local and structural. Therefore, commercial banks should actively and prudently treat loans for wind power projects. On the basis of the comprehensive and systematic analysis and argumentation of the project construction, the advanced rationality of technology, the financial benefit, the bank income and the potential risk, the comprehensive economic evaluation is made from the point of view of the bank. Through the analysis, the author finds out the problems existing in the technical development, equipment manufacturing, power generation and internet access, loan income and so on in the recent wind power loan project of Bank B Jilin Province Branch. Therefore, in 2011, the wind power industry in the province was investigated and studied in detail. Through the design of risk control for wind power project loans, the business process was optimized and a reasonable evaluation and monitoring mechanism was established. In order to seek effective loan risk management and control measures. The specific content of this paper is composed of the following six parts: the preface, the first chapter is the current situation and existing problems of the wind power project loan of Jilin Province B Bank, the second chapter is the analysis of the existing problems of the B bank wind power project loan in Jilin Province. The third chapter is the risk control design of line B wind power project loan in Jilin province; the fourth chapter is the guarantee and implementation of line B wind power project loan evaluation in Jilin province; In this paper, through the example of evaluation, from many aspects of analysis and argumentation, the solution of the future B bank how to design the risk assessment index of wind power industry loan, how to design the risk assessment steps and processes of wind power industry, and how to design the risk assessment process of wind power industry. How to ensure the effective implementation of loan risk control in wind power industry plays a key and decisive role in revealing the loan risk of wind power projects.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F426.61

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