商业银行新农村建设项目贷款的风险评价研究
发布时间：2018-10-25 07:11
【摘要】：各地方正在如火如荼的开展新农村建设，“新农村”的概念曾经多次在各类政策性文件中被提及，但新农村的含义却较难定义，新农村建设的主要建设内容也没有具体的范围。但大量的资金需求和未来农村金融市场的合作前景，促使商业银行创新推出新农村建设项目贷款的业务。由于该项业务正处于刚刚起步的阶段，尚未形成符合其特点的风险评价体系。 本文采用风险管理的一般理论，从新农村、新农村建设项目贷款的相关定义入手，揭示新农村建设项目的特点，结合商业银行识别项目融资风险的普遍方法，将新农村建设项目贷款中各种风险因素分类、分层识别。运用层次分析法（AHP）理论在风险分析的基础上，对各类、各层次风险因素对整体项目风险程度的影响程度进行排序，完成风险评价指标体系的构建工作。将风险识别、风险评价指标的结论通过案例的形式进行运用分析，达到理论与实际结合，并有效指导应用的目的。结合风险识别和风险指标体系构建的成果，在贷款的流程中，，运用风险防范的一般方法，提出风险防范的建议。从而达到感知风险、评估风险到控制风险的目的。
[Abstract]:Every place is carrying out the new rural construction in full swing, the concept of "new countryside" has been mentioned in various policy documents many times, but the meaning of the new countryside is difficult to define, and the main construction content of the new rural construction has no concrete scope. However, a large amount of capital demand and the prospect of cooperation in the future rural financial market urge commercial banks to innovate and launch new rural construction project loans. Because the business is just in its infancy, it has not formed the risk evaluation system according to its characteristics. This paper adopts the general theory of risk management, starting with the definition of new countryside and new rural construction project loan, reveals the characteristics of new rural construction project, and combines with the common method of commercial bank to identify project financing risk. The new rural construction project loan in the various risk factors classified, hierarchical identification. On the basis of risk analysis, the (AHP) theory of AHP is used to rank the influence degree of all kinds of risk factors on the risk degree of the whole project, and to complete the construction of the risk evaluation index system. The conclusion of risk identification and risk evaluation index is applied and analyzed in the form of case to achieve the purpose of combining theory with practice and guiding the application effectively. Combined with the results of risk identification and risk index system construction, in the process of loan, using the general method of risk prevention, the paper puts forward some suggestions of risk prevention. In order to achieve the perception of risk, risk assessment to control the purpose of risk.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43;F320
本文编号：2293001
[Abstract]:Every place is carrying out the new rural construction in full swing, the concept of "new countryside" has been mentioned in various policy documents many times, but the meaning of the new countryside is difficult to define, and the main construction content of the new rural construction has no concrete scope. However, a large amount of capital demand and the prospect of cooperation in the future rural financial market urge commercial banks to innovate and launch new rural construction project loans. Because the business is just in its infancy, it has not formed the risk evaluation system according to its characteristics. This paper adopts the general theory of risk management, starting with the definition of new countryside and new rural construction project loan, reveals the characteristics of new rural construction project, and combines with the common method of commercial bank to identify project financing risk. The new rural construction project loan in the various risk factors classified, hierarchical identification. On the basis of risk analysis, the (AHP) theory of AHP is used to rank the influence degree of all kinds of risk factors on the risk degree of the whole project, and to complete the construction of the risk evaluation index system. The conclusion of risk identification and risk evaluation index is applied and analyzed in the form of case to achieve the purpose of combining theory with practice and guiding the application effectively. Combined with the results of risk identification and risk index system construction, in the process of loan, using the general method of risk prevention, the paper puts forward some suggestions of risk prevention. In order to achieve the perception of risk, risk assessment to control the purpose of risk.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43;F320
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相关期刊论文 前2条
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本文编号：2293001
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