XX供水公司授信案例分析报告

发布时间：2018-03-20 11:17

本文选题：中小型供水公司　切入点：市场化改革　出处：《安徽财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：水资源是人类生存极为重要的资源,在人们的生产与生活中,绝对缺少不了水的供应,毫不夸张的说,水资源已经成为城市发展的命脉。中国的水资源及其匮乏,水资源的含量只占世界总量的6%,人均水资源量位列世界13个人均水资源最贫乏的国家之中。中国部分地区常年缺水,有些地方甚至没水可用,这极大的阻碍了人们正常的生产与生活。本文所阐述的是中小型供水公司,它们分布在我国广大的地区内,哺育着数以亿计的人民,为他们的生产与生活提供了必不可少的淡水资源,因此大力发展这类公司成为急需解决的问题。中小型供水公司自有资金少、知名度不高、依靠内源性融资以及通过资本市场直接发行债券、股票等筹资方式进行融资相当困难,这就决定了中小型供水公司更加依赖于以银行授信为主的间接融资。因此对于这类公司,通过提高技术水平、金融创新等手段,在提高综合经济效益、有效控制风险的前提下,商业银行应积极给予信贷支持。这对实现商业银行与供水公司之间的双赢,具有十分重要的现实意义。本文在参考已有的国内相关文献基础上,针对当前供水业市场化改革发展的情况,通过对某一案例的具体分析,总结出中小型供水公司的一般授信规律,并最终给出政策建议。全文共分为四章：第一章是导论,主要就本文选题背景、研究意义、研究内容、研究方法以及文献综述等进行介绍；第二章是案例介绍,主要介绍了下借款主体的基本概况以及贷款所投入的项目建设的一些基本情况,包括公司的历史发展、项目建设的背景与必要性、项目建设的内容与实施进度、项目建设的生产条件等；第三章是案例分析,即在商业银行对供水公司进行的授信分析基础上,对商业银行的授信分析结果进行分析与归纳；第四章是结论与启示,本章是论文的结尾章节,通过对前文案例分析出的结果,针对性地给出建议,这其中包含了三大方面：政府、公司和银行。它们在对于促进我国中小型供水公司市场化、民营化改革发展的过程中起着不同的作用,而只有这三者同心协力,共同努力,才能从真正意义上为我国中小型供水公司的改革发展保驾护航。
[Abstract]:Water resources are the most important resources for human survival. In people's production and life, there is absolutely no shortage of water supply. It is no exaggeration that water resources have become the lifeblood of urban development. Water resources account for only 6 percent of the world's total. Per capita water resources are among the 13 countries with the poorest per capita water resources in the world. This greatly hinders people's normal production and life. What we are talking about here are small and medium-sized water supply companies, which are spread across the vast areas of our country, feeding hundreds of millions of people and providing them with essential freshwater resources for their production and livelihood. Therefore, vigorously developing such companies has become an urgent problem. Small and medium-sized water supply companies have little capital and are not well known, and rely on endogenous financing and direct issuance of bonds and stocks through the capital market. This determines that small and medium-sized water supply companies rely more on indirect financing based on bank credit. Therefore, for such companies, under the premise of improving the overall economic efficiency and effectively controlling risks, by means of improving the technical level and financial innovation, Commercial banks should actively give credit support, which is of great practical significance to realize the win-win situation between commercial banks and water supply companies. On the basis of referring to the relevant domestic literature, this paper summarizes the general credit rules of the small and medium-sized water supply companies through the concrete analysis of a case in view of the current situation of the market reform and development of the water supply industry. Finally, the policy recommendations are given. The full text is divided into four chapters: the first chapter is an introduction, mainly on the background of this topic, research significance, research content, research methods and literature review; the second chapter is a case study. This paper mainly introduces the basic situation of the main body of the loan and some basic conditions of the project construction invested by the loan, including the historical development of the company, the background and necessity of the project construction, the content of the project construction and the progress of the project implementation. The third chapter is case analysis, that is, on the basis of credit analysis of commercial banks to water supply companies, the results of credit analysis of commercial banks are analyzed and summarized. Chapter 4th is the conclusion and inspiration. This chapter is the end of the paper, through the results of the previous case analysis, targeted recommendations, which include three aspects: the government, companies and banks. They promote the marketization of small and medium-sized water supply companies in China. Privatization plays different roles in the process of reform and development, and only these three make concerted efforts together, can the reform and development of small and medium-sized water supply companies in our country be protected in a real sense.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.24;F832.4

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