金融精准扶贫贷款项目风险控制研究

发布时间：2018-03-03 08:27

本文选题：精准扶贫　切入点：贷款　出处：《湘潭大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国社会主义建设的本质是消除贫困,最终实现共同富裕。开展扶贫开发工作,推动贫困地区经济发展进程,最终实现贫困地区的脱贫智富,是实现社会长治久安,加快构建和谐社会的重要条件,也是以人为本、为人民服务宗旨的重要体现。中共十一届三中全会以来,国家高度重视扶贫工作,扶贫工作的成绩斐然。金融扶贫发展资金是强政策性资金,其价值能通过精准扶贫贷款项目的具体实施来体现。由于扶贫项目涉及的主体多,项目实施期限长,很容易出现风险认识不到位,风险应对能力差的问题,致使项目落实出现失误和偏差,引发群众矛盾和纠纷,最终影响项目的整体运行效果。因此,从项目风险控制的角度来研究金融精准扶贫项目,能提高项目决策的合理性与科学性,增强项目运营环境的安全性,提升项目资金的使用效益,对保障项目的实施运行具有积极意义。此外,金融精准扶贫贷款项目的风险控制研究能丰富现有理论成果,进一步完善扶贫项目风险控制理论体系,对金融精准扶贫的发展具有重要的理论意义和现实意义。本文以N银行扶贫搬迁贷款项目为风险评估具体研究案例,通过确定精准扶贫搬迁贷款项目的风险评估指标体系,运用结合定性分析和定量分析方法,对N银行扶贫搬迁贷款项目的风险进行评估测算,并提出相应的银行内外部精准扶贫贷款的风险控制策略。研究的主要观点和结论:N银行扶贫战略适宜、工作基础坚实、机构体系健全、工作经验丰富等特点,具有开展扶贫工作的独特优势;N银行结合自身实际努力形成全方位、宽领域、多层次的信贷扶贫格局,创新金融扶贫品种,强化精准扶贫,积极支持贫困地区基础设施建设、特色产业发展,扶贫力度不断加大;定性分析项目具有一定的政策风险、市场风险和项目完工风险,资金挪用风险、项目征拆风险和贷款担保风险可控;采用模糊综合评价法,依次经过集体讨论、风险评分、评估结果三个阶段,评估出项目整体风险水平为5.22,表明项目存在一定风险,但风险不大;N银行精准扶贫贷款项目可以从银行内部和外部的角度加强风险控制。在银行内部,优化贷款项目立项阶段、阶段准备、实施阶段和后评估阶段的风险应对策略。在银行外部,从贷款的监管、补贴、信用、创新方面进行优化。
[Abstract]:The essence of China's socialist construction is to eradicate poverty and ultimately achieve common prosperity. To carry out the work of poverty alleviation and development, to promote the process of economic development in poverty-stricken areas, and finally to achieve the eradication of poverty and prosperity in poverty-stricken areas is to achieve lasting social stability and stability. The important condition for speeding up the construction of a harmonious society is also an important embodiment of the tenet of people-oriented and serving the people. Since the third Plenary session of the Eleventh Central Committee of the Communist Party of China, the state has attached great importance to poverty alleviation. Financial Poverty Alleviation and Development Fund is a strong policy-oriented fund whose value can be reflected through the concrete implementation of a precision poverty alleviation loan project. Because of the large number of main bodies involved in the poverty alleviation project, the project implementation period is long. It is very easy to appear the problem that the risk awareness is not in place and the ability to deal with the risk is poor, which results in the mistakes and deviations in the implementation of the project, which leads to contradictions and disputes among the masses, and ultimately affects the overall operational effect of the project. From the perspective of project risk control, it can improve the rationality and scientific nature of project decision-making, enhance the security of project operating environment, and enhance the efficiency of project funds. In addition, the research on risk control of financial precision poverty alleviation loan projects can enrich the existing theoretical achievements and further improve the theoretical system of risk control for poverty alleviation projects. It is of great theoretical and practical significance to the development of financial precision poverty alleviation. This paper takes N Bank's poverty alleviation and relocation loan project as a specific case of risk assessment, and determines the risk evaluation index system of precision poverty alleviation and relocation loan project. By combining qualitative analysis and quantitative analysis, this paper evaluates and calculates the risk of N Bank's poverty alleviation and relocation loan project. The main viewpoints and conclusions of the study are as follows: the main viewpoints and conclusions of the study are: appropriate poverty reduction strategy, solid working foundation, sound institutional system, rich working experience and so on. The Bank has the unique advantage of carrying out poverty alleviation work and combining its own practical efforts to form a comprehensive, broad and multi-level pattern of credit poverty alleviation, to innovate financial poverty alleviation varieties, to strengthen accurate poverty alleviation, and to actively support infrastructure construction in poverty-stricken areas. The qualitative analysis project has certain policy risk, market risk and project completion risk, fund misappropriation risk, project requisition risk and loan guarantee risk controllable. The overall risk level of the project is 5.22, which indicates that there is a certain risk in the project. However, the bank's precision pro-poor loan project can strengthen risk control from both the internal and external perspectives of the bank. Within the bank, optimize the loan project stage and prepare for the stage. Strategies for risk management in the implementation and post-evaluation phases. Optimize loan regulation, subsidies, credit, and innovation outside the bank.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F323.8

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