商业银行中长期项目贷款风险管理研究

发布时间：2018-03-17 23:15

本文选题：商业银行　切入点：中长期项目贷款　出处：《华北电力大学》2014年硕士论文　论文类型：学位论文

【摘要】：项目贷款自引入我国以来，为我国经济和社会的发展发挥了巨大的作用，能够很好地解决我国一些基础设施建设方面资金缺乏的问题，为我国的经济建设的快速持续发展提供了资金支持。同时，对商业银行自身来说，项目贷款作为商业银行的一项重要的资产业务，商业银行可以从其较高的利率中获得可观的利润从而进行自身的发展和壮大。然而，高收益必定伴随着高风险，中长期项目贷款的期限长，不确定性大，涉及的不确定因素较多，因此，中长期项目贷款的风险比较大，需要商业银行给予更多的关注，对中长期项目贷款的风险管理需要更加全面和谨慎。一旦项目贷款的决策失利，会给商业银行带来难以估量的损失，甚至会威胁到商业银行自身的生存和发展。因此，针对中长期项目贷款风险管理的深入研究就显得尤为必要。本文借鉴世界银行的做法，突破商业银行在项目贷款中仅为贷款提供人，，即债权人的角色定位，将商业银行看成项目的投资人，因此，从投资项目的立项开始就进行参与，全程跟进，直至贷款和利息全额收回，对项目贷款进行分析和总结反馈为止，分阶段对面临的风险进行分析、评价和控制。本文首先对我国目前中长期项目贷款的管理现状进行分析，找出其中存在的问题，然后进行针对性的解决。在此基础上本文针对各阶段风险的评价建立了以层次分析法和模糊综合评价方法为基础的评价模型。然后根据各阶段的风险评价结果，提出相应的风险应对措施。
[Abstract]:Since the project loan was introduced into our country, it has played a great role in the economic and social development of our country, and can solve the problem of lack of funds in some infrastructure construction in our country. It has provided financial support for the rapid and sustainable development of China's economic construction. At the same time, for the commercial banks themselves, project loans are an important asset business of commercial banks. Commercial banks can gain considerable profits from their higher interest rates to develop and expand themselves. However, high returns must be accompanied by high risk, with long term and high uncertainty of medium- and long-term project loans. Therefore, the risk of medium- and long-term project loans is higher, which requires more attention from commercial banks, and the risk management of medium- and long-term project loans needs to be more comprehensive and cautious. It will bring incalculable losses to commercial banks and even threaten the survival and development of commercial banks. This article draws lessons from the practice of the World Bank, breaks through the role of commercial banks in the project loan only for the loan provider, that is, the role of creditors, the commercial bank as the investors of the project, therefore, from the beginning of the investment project to participate. Follow up the whole process until the loan and interest are fully recovered, the project loan is analyzed and feedback summarized, and the risks are analyzed in stages. Evaluation and control. First of all, this paper analyzes the current management situation of long-term project loans in China, and finds out the existing problems. On the basis of this, an evaluation model based on analytic hierarchy process (AHP) and fuzzy comprehensive evaluation method is established for each stage of risk evaluation. Then, according to the risk evaluation results of each stage, Put forward the corresponding risk countermeasures.
【学位授予单位】：华北电力大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】