Z地表水厂投资项目贷款风险评估研究

发布时间：2018-06-04 01:24

本文选题：项目贷款 + 项目评估　；参考：《河北大学》2017年硕士论文

【摘要】：商业银行是依法成立的经营货币及信贷业务的金融机构。安全性、流动性和盈利性是商业银行的经营三准则,其中安全性是商业银行第一经营原则,故商业银行中的信贷风险管理在银行发展中起到了举足轻重的地位。在平衡信贷风险和银行收益方面,科学的信贷风险管理不可或缺。项目贷款,作为目前国内银行业最重要的信贷品种之一,对其信贷风险把控就显得尤为重要。面对日益加剧的同业竞争态势,愈发复杂的内外部经济环境,近年来国家经济进入“新常态”时期,国家的产业政策、投资政策都面临着极大的改变,尤其是近年来国家大力推广“PPP”模式和“政府购买服务”模式用以建设当地基础设施建设,鼓励社会资本进入上述领域。上述经营环境的变化使得银行在开展项目贷款业务方面也面临着一定的挑战,同时对给予项目贷款相应指导方向和提供信贷决策的项目贷款风险评估提出了更高的要求。为了缓解中国北方水资源严重短缺局面,国家提出南水北调重大战略性工程。随着国家南水北调整体工程的逐步开展,各沿线城市必须建设配套的地表水处理厂作为南水北调整体工程的配套设施建设。近年来,全国各地尤其是南水北调沿线地区纷纷新建地表水处理厂,以满足日后处理南水北调水源需求。所以地表水厂项目在未来一段时间内,不仅是各级政府重点投资项目之一,也是各企事业单位不可或缺的投资机会,同样也会是商业银行主要营销的项目之一,故该类型项目的信贷风险评估就显得尤为重要。论文通过因素分析、理论和实证相结合的方法,以Z地表水厂投资项目贷款风险评估研究为实例,从项目贷款风险评估的内容和流程着手,对该项目评估采用一套较为全面的中长期项目贷款风险评估方法对其风险管理进行分析。首先,按照评估要素内容对该项目进行充分论证评估,根据评估结果找出该类型项目评估中出现的信贷风险点并提出解决该风险的方案。本文以实例作为出发点,通过积极探索优化风险管理手段,达到提高风险管理水平的目标。最终的目的为银行对该类型项目贷款风险评估提供有价值的参考和帮助,在有效的风险管理前提下推进项目评估工作,从而获得更多信贷投放机会,在获得更高收益的同时,降低信贷不良风险。论文的主要论述内容分为以下几个部分;第一部分是绪论,主要介绍了论文的研究背景和意义、国内外研究现状及本文的创新;第二部分是项目贷款风险项目评估的理论概述,包括项目贷款风险评估的相关概念和主要内容、评估方法;第三部分是研究Z地表水厂项目贷款风险的要素评估;第四部分Z地表水厂贷款风险的综合评价并相应的给出该类型项目评估建议。
[Abstract]:A commercial bank is a legally established financial institution operating money and credit. Security, liquidity and profitability are the three principles of commercial bank management, in which security is the first operating principle, so credit risk management plays an important role in the development of commercial banks. In balancing credit risk and bank income, scientific credit risk management is indispensable. Project loan, as one of the most important credit varieties in domestic banking, is very important to control its credit risk. In the face of the increasingly fierce competition in the same industry and the increasingly complex internal and external economic environment, in recent years, the national economy has entered a period of "new normal". The country's industrial policy and investment policy are all facing great changes. In particular, in recent years, the government has vigorously promoted the "PPP" model and the "government purchase service" model to build local infrastructure and encourage social capital to enter these fields. The above changes in the operating environment make banks face certain challenges in carrying out project loan business. At the same time, higher requirements are put forward for project loan risk assessment, which gives the corresponding direction of project loan guidance and provides credit decision. In order to alleviate the serious shortage of water resources in northern China, the state has proposed a major strategic project of transferring water from south to north. With the gradual development of the whole project of National South-to-North Water transfer, the surface water treatment plant must be constructed in every city along the route as the supporting facilities of the whole project of South-to-North Water transfer. In recent years, surface water treatment plants have been built all over the country, especially along the route of South-to-North Water transfer, in order to meet the demand of water supply for South-to-North Water transfer in the future. Therefore, in the future, the surface water plant project will not only be one of the key investment projects at all levels of government, but also an indispensable investment opportunity for enterprises and institutions, and will also be one of the major marketing projects of commercial banks. Therefore, the credit risk assessment of this type of project is particularly important. Through the method of factor analysis, theory and demonstration, taking the risk assessment of investment project of Z surface water plant as an example, this paper starts with the content and process of project loan risk assessment. The risk management of the project is analyzed by a set of comprehensive methods of risk assessment of medium and long term project loans. Firstly, according to the evaluation elements, the project is fully demonstrated and evaluated. According to the evaluation results, the credit risk points in the evaluation of this type of project are found and the solutions to the risk are put forward. This article takes the example as the starting point, through the active exploration optimizes the risk management means, achieves the goal of raising the risk management level. The ultimate aim is to provide a valuable reference and help for banks to evaluate the risk of loans for this type of project, and to advance the project evaluation work in the context of effective risk management, so as to obtain more credit opportunities and obtain higher returns at the same time. Reduce the risk of bad credit. The main content of the paper is divided into the following parts: the first part is the introduction, mainly introduces the research background and significance of the paper, domestic and foreign research status and innovation in this paper; the second part is the theoretical overview of project loan risk project evaluation. It includes the related concepts and main contents of the project loan risk assessment, the evaluation method, the third part is the study of the risk assessment of the Z surface water plant project loan risk. The fourth part is the comprehensive evaluation of the loan risk of Z surface water plant and the corresponding project evaluation suggestions.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F299.24

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