ZG银行PPP项目授信风险识别与防范研究

发布时间：2018-07-17 19:33

【摘要】：我国城镇化建设过程中,公共产品的供给主要由政府部门提供,导致其背负的债务越来越重。为合理控制地方政府的债务,积极发挥社会资本作用,2014年,国务院首次明确提出“推广使用政府与社会资本合作模式”,即PPP(Public Private Partnerships)模式。从银行授信角度,PPP作为一种新型合作模式授信经验相对少,项目各方关系复杂,对PPP项目授信存在一定的风险。本文通过对ZG银行PPP项目授信具体案例进行分析,找出ZG银行在参与PPP项目授信过程中可能面临的主要风险,并运用风险管理的相关理论与方法,提出有针对性的风险防范建议措施,旨在为商业银行授信相关人员抢抓业务机遇和具体的PPP项目审批提供参考意见。本文核心内容主要分为三个部分。首先,对PPP模式和项目风险基础理论概述,指出PPP是“政府和社会资本合作模式”,PPP项目具有复杂性、多样性、偶发性、收益不确定性等风险特征,按照理解的不同,PPP项目风险可划分为不同类型。其次,对ZG银行参与的某PPP项目具体授信案例进行分析,指出该PPP项目的主要风险因素,归纳出对其授信风险主要为:合规性风险、政府信用风险、社会资本方履约风险、项目持续经营风险和银行内部管理风险。最后,从防范授信合规性风险、优先选择实力较强的地方政府和社会资本方、加强授信项目的各阶段管理、完善银行内部管理四大方面提出ZG银行PPP项目的授信风险防范措施建议。本论文通过对ZG银行参与的某PPP项目具体授信进行案例分析,得出如下结论:一是PPP项目风险具有复杂性和多样性,其授信风险也具有类似特征。二是银行在参与PPP项目授信中可能面临多种风险,但要根据项目的特殊性分辨哪些是最关键的风险。三是针对上述风险点,考虑从项目主体、项目合规、信用风险、市场风险、操作风险等角度提出有针对性风险防控建议。
[Abstract]:In the process of urbanization in China, the supply of public goods is mainly provided by the government departments, which leads to the increasing debt burden. In order to control the debt of the local government rationally and actively play the role of social capital, in 2014, the State Council first explicitly proposed the "promotion and use of government and social capital cooperation model", that is, PPP (Public Private Partn). Erships) mode. From the bank credit point of view, PPP is relatively less experienced as a new type of cooperative model, the relationship between the parties is complex and there is a certain risk for the PPP project credit. This paper analyzes the specific cases of the PPP project of the ZG bank, and finds out the main risks that the ZG bank may face in the process of participating in the PPP project. Based on the related theories and methods of risk management, the targeted measures for risk prevention are proposed. The aim is to provide reference for business opportunities and specific PPP project approval. The core content of this paper is divided into three parts. First, the basic theory of PPP model and project risk is summarized, and PPP is pointed out. It is "the mode of cooperation between government and social capital". The PPP project has the characteristics of complexity, diversity, contingency, uncertainty and so on. According to different understanding, the risk of PPP project can be divided into different types. Secondly, the paper analyzes the specific credit case of a PPP project involved in ZG bank, and points out the main risk factors of the PPP project, and return the main risk factors to the project. The main risks are compliance risk, government credit risk, social capital side risk, project sustainable management risk and internal bank management risk. Finally, from the prevention of compliance risk, the priority of local government and social capital should be chosen to strengthen the management of all stages of the credit project and perfect the bank. The four main aspects of the Ministry of management put forward the proposal of the credit risk prevention measures of the ZG bank PPP project. Through the case analysis of the specific credit of a PPP project involved in the ZG bank, this paper draws the following conclusions: first, the risk of the PPP project is complex and diverse, and the credit risk has similar characteristics. Two is the bank's participation in the PPP project. There may be a variety of risks, but what is the most critical risk should be identified according to the particularity of the project. Three is to put forward targeted risk prevention and control suggestions from the aspects of project subject, project compliance, credit risk, market risk, operation risk and so on.
【学位授予单位】：中南财经政法大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F283;F832.4

【参考文献】