地方政府融资平台风险:化解与反思

发布时间：2018-10-16 21:43

【摘要】：在2008～2009年的一轮高速信贷投放中,地方政府融资平台是其中最活跃也是最值得关注的融资主体。融资平台的超高负债率、地方政府的违规担保承诺、项目资本金的不足和项目偿债能力的低下等问题,使人们担心,快速而大量的地方政府融资平台贷款,不仅将加大地方政府的债务负担进而可能形成未来的财政风险,并且投资风险还将转移到银行体系而埋下金融风险隐患。地方政府融资平台风险同样引起管理层的高度关注。2010年6月,国务院下发《关于加强地方政府融资平台公司管理有关问题的通知》(以下简称《通知》),在要求对融资平台公司及其债务进行核实、清理的同时,还要求加强银行业金融机构对融资平台公司的信贷管理。而在此之前,银监会已经要求对过去发放的政府融资平台公司的贷款,进行"逐包打开,逐笔核对,重新评估,整改保全"并分类处置。在各地银行机构正在进行的贷款"解包还原"过程中,我们关心的问题是:当前,银行机构采取了哪些措施化解风险,它们面临着什么样的实际困难;在"解包还原"的过程中,它们对于未来银行与地方政府的信用合作有怎样的反思和建议。本期访谈嘉宾包括:中国银监会江苏监管局局长于学军、国家开发银行四川省分行行长魏维、上海银行战略管理部专家张吉光。
[Abstract]:In the 2008 ~ 2009 round of high-speed credit, the local government financing platform is the most active and most worthy of attention. The ultra-high debt ratio of financing platforms, the illegal guarantee commitments of local governments, the shortage of project capital and the low solvency of projects have caused people to worry about the rapid and large number of loans from local government financing platforms. Not only will the debt burden of local governments be increased and then the future financial risks may be formed, but the investment risks will also be transferred to the banking system and hidden financial risks will be buried. The risk of local government financing platforms is also of great concern to management. In June 2010, The State Council has issued the Circular on strengthening the Management of Local Government financing platform companies (hereinafter referred to as "the notice"), requiring verification and clean-up of the financing platform companies and their debts, Also calls for strengthening banking financial institutions to the financing platform companies credit management. Before that, the CBRC had requested that loans from government financing platform companies issued in the past be "opened, checked, reassessed, revised and preserved" and disposed of in a classified manner. In the process of "unwrapping and restoring" loans being carried out by local banking institutions, we are concerned with the following questions: what measures have been taken by banking institutions to resolve risks, and what practical difficulties they are facing; In the process of "unpacking and restoring", they have some reflections and suggestions on the credit cooperation between banks and local governments in the future. The current interview guests include Yu Xuejun, director of the Jiangsu Supervision Bureau of the China Banking Regulatory Commission, Wei, president of the Sichuan Branch of the China Development Bank, and Zhang Jiguang, an expert in the strategic management department of the Shanghai Bank of China.
【分类号】：F832.4

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