南发危房改造项目贷款风险管理

发布时间：2018-03-13 11:44

本文选题：南发危房改造　切入点：项目贷款　出处：《电子科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：二十世纪五六十年代,项目融资开始出现在石油、天然气和矿产品项目中,这些项目以产品或未来销售收益作为债务担保进行融资。随后项目融资在国际金融市场上进行推广,并广泛运用于大型市政基础设施建设项目,在多个经济主体中,成为融资的主要方式。而项目融资贷款因其较高的投资回报率、较稳定的预期利息收入和可贷资金量较大且可靠,得到了商业银行和项目投资者的青睐。随着我国城市化的不断发展,政府基础设施建设的投资力度,积极争取国内外银行和非银行金融机构的贷款,主要以项目贷款为主。其中土地储备项目所需的资金量不断加大,因此各级商业银行加大了向土地储备项目的贷款力度,有效的支持了我国的土地开发和市政建设。但随着贷款金额的不断增加,土地储备项目贷款风险日益凸显,例如,我国相关政府部门对土地储备项目的监管不到位,项目融资方式过于单一,我国的房地产市场和土地市场过热引发的价格扭曲,存在银行不良贷款等问题,引起了包括政府部门、商业银行和土地储备项目投资者的高度关注。因此,研究并建立行之有效的风险管理方法,可为我国土地储备项目贷款风险管理提供有效的参考。本文以重庆南发城建发展有限公司“弹子石正街危旧房改造一期工程”项目贷款作为案例背景和实证分析案例,从企业的角度出发,针对土地储备项目贷款风险管理问题进行深入探讨,通过广泛阅读有关项目融资、项目管理、风险管理、土地储备项目贷款风险等方面的文献资料,了解了有关项目贷款风险的类型、项目贷款风险管理的内容、土地储备项目贷款风险的相关知识。通过阅读先前学者对土地储备项目贷款风险管理的研究发现,对项目贷款风险管理的定性分析居多,定量分析来研究土地储备项目贷款风险管理的较少。因此本文在项目贷款风险管理理论和国内外研究成果的基础上,对土地储备项目贷款风险进行初步识别,并基于Credit Metrics模型分析我国土地储备项目贷款风险的测评,根据风险分析结果,制定出一系列符合我国国情的风险控制措施,为我国土地储备项目贷款风险管理提供参考。
[Abstract]:In 20th century, project finance began to appear in oil, gas and mineral projects, which were financed on the basis of products or future proceeds of sales as debt guarantees. Project financing was then promoted on the international financial market. And widely used in large-scale municipal infrastructure construction projects, in many economic entities, become the main means of financing. Project financing loans because of its higher return on investment, The relatively stable expected interest income and loanable funds are relatively large and reliable, and have been favored by commercial banks and project investors. With the continuous development of urbanization in China, the government has invested heavily in infrastructure construction. Actively seeking loans from domestic and foreign banks and non-bank financial institutions, mainly project loans. Among them, the amount of funds required for land reserve projects is constantly increasing. Therefore, commercial banks at all levels have increased their lending to land reserve projects. It has effectively supported the land development and municipal construction in our country. However, with the increasing of loan amount, the loan risk of land reserve project has become increasingly prominent. For example, the supervision of land reserve project is not in place by the relevant government departments in our country. The project financing method is too single, the price distortion caused by overheated real estate market and land market in our country, the existence of bank non-performing loans and so on, has caused problems including government departments. Commercial banks and investors in land reserve projects are highly concerned. Therefore, research and establishment of effective risk management methods, It can provide an effective reference for the loan risk management of land reserve project in China. This paper takes the project loan of Chongqing Nanfa City Construction Development Co., Ltd. As a case background and an empirical analysis case. From the point of view of enterprise, this paper makes a deep discussion on the risk management of land reserve project loan, and through extensive reading of the literature on project financing, project management, risk management, loan risk of land reserve project, etc. This paper has learned about the types of project loan risk, the content of project loan risk management, the relevant knowledge of land reserve project loan risk. The qualitative analysis of project loan risk management is the majority, and the quantitative analysis is less to study the land reserve project loan risk management. Therefore, this paper is based on the theory of project loan risk management and the domestic and foreign research results. The loan risk of land reserve project is preliminarily identified. Based on the Credit Metrics model, the evaluation of loan risk of land reserve project in China is analyzed. According to the result of risk analysis, a series of risk control measures according to the situation of our country are worked out. This paper provides a reference for loan risk management of land reserve project in China.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.45;F299.23

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