武汉市地铁A项目融资租赁信用风险研究
发布时间：2018-07-13 20:50
【摘要】：目前,随着我国经济的快速发展,融资租赁成为缓解企业融资难融资、成本高的难题和带动产业升级的重要手段,特别是在重资产行业如轨道交通等基础设施项目中能独立发挥作用,本文以武汉地铁A项目为例,研究信用内部评级法在融资租赁项目风险管理中的运用。首先,本文介绍了融资租赁适用的项目类型和融资租赁对武汉地铁建设的作用和意义,采用了文献综述法总结了国内外研究现状;其次,以融资租赁项目风险评估体系为基础,梳理了项目操作各个环节的风险要点和应对策略,分析出信用风险在项目风险识别中的重要地位,并介绍融资租赁行业的信用风险内部评级模型,该模型从定量、定性和特殊事项三个方面设置信用评级指标,并以承租人的经营情况和对外融资数据为基础,对承租人的信用风险进行评估进而得出承租人信用等级;最后,结合武汉市地铁A项目案例对各环节的风险要点进行分析,运用融资租赁信用风险内部评价模型对承租人进行信用评级,并对评级结果进行风险评价分析以及提出有针对性的风险应对措施。本文研究旨在为基础设施行业的融资租赁业务提供识别承租人信用风险、评价风险等级和设置信用风险应对措施参考依据。
[Abstract]:At present, with the rapid development of China's economy, financial leasing has become an important means to alleviate the financing difficulties and high cost of enterprises and to promote industrial upgrading. Especially in the heavy asset industry such as rail transit and other infrastructure projects can play an independent role this paper takes Wuhan Metro A project as an example to study the application of credit internal rating method in the risk management of financial leasing projects. First of all, this paper introduces the applicable project types of financial lease and the role and significance of financial lease on Wuhan subway construction, and summarizes the current research situation at home and abroad by the method of literature review; secondly, based on the risk assessment system of financial lease project, This paper combs the key points and countermeasures of the project operation, analyzes the important position of the credit risk in the project risk identification, and introduces the internal rating model of the credit risk in the financial leasing industry. Three aspects of qualitative and special issues set credit rating indicators, and based on the lessee's operating situation and external financing data as the basis, the lessee's credit risk is evaluated and the lessee's credit rating is obtained. Based on the case of Wuhan Metro A Project, this paper analyzes the risk points of each link, and uses the internal evaluation model of financing lease credit risk to rate the lessee's credit. And the risk evaluation of the rating results and proposed targeted risk response measures. The purpose of this paper is to provide reference basis for identifying lessee credit risk, evaluating risk grade and setting up credit risk countermeasures for financial leasing business in infrastructure industry.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F572.88;F570.5
本文编号：2120701
[Abstract]:At present, with the rapid development of China's economy, financial leasing has become an important means to alleviate the financing difficulties and high cost of enterprises and to promote industrial upgrading. Especially in the heavy asset industry such as rail transit and other infrastructure projects can play an independent role this paper takes Wuhan Metro A project as an example to study the application of credit internal rating method in the risk management of financial leasing projects. First of all, this paper introduces the applicable project types of financial lease and the role and significance of financial lease on Wuhan subway construction, and summarizes the current research situation at home and abroad by the method of literature review; secondly, based on the risk assessment system of financial lease project, This paper combs the key points and countermeasures of the project operation, analyzes the important position of the credit risk in the project risk identification, and introduces the internal rating model of the credit risk in the financial leasing industry. Three aspects of qualitative and special issues set credit rating indicators, and based on the lessee's operating situation and external financing data as the basis, the lessee's credit risk is evaluated and the lessee's credit rating is obtained. Based on the case of Wuhan Metro A Project, this paper analyzes the risk points of each link, and uses the internal evaluation model of financing lease credit risk to rate the lessee's credit. And the risk evaluation of the rating results and proposed targeted risk response measures. The purpose of this paper is to provide reference basis for identifying lessee credit risk, evaluating risk grade and setting up credit risk countermeasures for financial leasing business in infrastructure industry.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F572.88;F570.5
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