QS银行H房地产项目融资贷款风险管理研究

发布时间：2018-05-31 01:20

本文选题：风险管理 + 房地产项目　；参考：《青岛大学》2017年硕士论文

【摘要】：项目融资是一种以项目的未来收益和资产作为偿还贷款的主要资金来源和安全保障的融资方式。项目融资中最主要的一种形式就是向银行融资,即项目贷款。它主要从项目本身入手,对项目的风险进行识别和评估,企业层面的信用水平、资产负债和盈利情况占次要的评估权重,有利于银行对优质项目的识别,有利于适应日益激烈的市场竞争要求。本文以QS银行为例,分析其H房地产项目的融资贷款风险管理情况,具体如下:首先,分析研究课题的背景及当前国内外学者在房产融资贷款项目风险管理领域的研究成果;其次,对房产融资贷款项目的风险因素进行识别,并分析其风险管理存在的问题;最后,针对上述问题,分析出房产融资贷款项目的具体风险控制策略,包括构建房地产信贷风险管理体系、完善房地产信贷绩效考核指标体系以及构建房产项目的信贷风险转移机制等措施。
[Abstract]:Project financing is a kind of financing method which takes the future income and assets of the project as the main source of funds and security for repayment of loans. One of the most important forms of project financing is bank financing, that is, project loans. It mainly starts from the project itself and identifies and evaluates the risk of the project. The credit level at the enterprise level, assets, liabilities and profits account for the secondary weight of the evaluation, which is conducive to the identification of high-quality projects by banks. To adapt to the increasingly fierce market competition requirements. Taking QS Bank as an example, this paper analyzes the financing loan risk management of its H real estate project, as follows: firstly, the background of the research topic and the current research results of domestic and foreign scholars in the field of risk management of real estate financing loan project; Secondly, identify the risk factors of the real estate financing loan project, and analyze the existing problems of risk management. Finally, to solve the above problems, analyze the specific risk control strategy of the real estate financing loan project. It includes the construction of real estate credit risk management system, the improvement of real estate credit performance evaluation index system and the construction of real estate project credit risk transfer mechanism and other measures.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F299.233.42

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