沈阳农商行风电场工程贷款项目的风险控制研究

发布时间：2018-05-07 15:55

本文选题：风险控制 + 风电场　；参考：《吉林大学》2014年硕士论文

【摘要】：对项目进行管理和控制是是项目效益实现的必要工作，，而项目风险控制是风险管理的重要内容，其中最重要的环节是项目风险控制。项目风险控制是指项目管理者再项目风险形成的过程中，根据风险的识别方法，发现风险，分析风险，制定出风险控制措施，对风险进行控制管理，力求项目风险最低、项目达到利润最大化。沈阳农商行风电场工程贷款项目是金融风险的项目，其风险是否能得到控制是关系到银行的利润,本文对其风险进行分析和控制有着重要意义。本文以沈阳农商行风电场工程贷款项目的风险控制研究为例，首先介绍了贷款项目的风险控制的研究背景和研究意义，能够及时掌握项目风险变化，发现重大风险并及时纠正；能够改善项目风险控制的方法，对项目风险进行更准确的控制和研究方法。同时，通过对风电场工程贷款项目的风险识别，发现其存在的风险，有信贷管理制度的合规性风险、担保风险、还款风险、贷后管理风险。然后，重点对贷款项目的财务情况，还款情况，担保情况，市场情况进行风险分析。财务状况从负债结构,权益结构，财务结构，盈利能力和偿债能力几方面进行分析。还款情况从第一还款来源，第二还款来源方面进行分析。担保情况对保证人的能力进行分析，对担保的可行性进行分析。市场情况从行业状况，行业壁垒，政策影响，上下游行业，项目竞争能力几方面进行分析。针对上述问题，结合项目风险控制的基本原则，最后对所存在的风险制定出四项风险控制措施：沈阳农商行信贷管理制度的风险控制措施、沈阳农商行风电场工程贷款项目的还款风险控制措施、沈阳农商行风电场工程贷款项目的担保风险控制措施、沈阳农商行风电场工程贷款项目的风险避险措施。第一，建立和完善信贷管理组织构架、再造信贷业务操作流程、构建信贷管理制度体系、加强对产业、行业信息的指导、严格信贷监测、检查和责任追究、加强信贷队伍建设。第二，从第一还款来源、第二还款来源，还款方式进行控制。第三，担保方式是保证担保，对担保对象进行控制。第四，关注公司经营及现金流状况和变动情况、对贷款实行风险预警制度和重大风险报告制度、加强日常贷后跟踪检查管理。通过风险控制，以此来达到管理风险、降低风险的目的。通过对沈阳农商行风电场工程贷款项目风险控制现状问题的分析和对风险控制措施的提出，希望沈阳农商行风电场工程贷款项目能够更好地对风险进行控制，实现项目的利润最大化；同时也能为今后的风险控制工作提供一定的参考意见。
[Abstract]:It is necessary to manage and control the project benefit, and the project risk control is the important content of the risk management, the most important link is the project risk control. Project risk control refers to the process of project manager reproject risk formation, according to the risk identification method, find out the risk, analyze the risk, formulate the risk control measures, control and manage the risk, strive for the lowest project risk. The project maximizes profits. The project of project loan for wind farm project of Shenyang Agricultural and Commercial Bank is a project of financial risk. Whether the risk can be controlled is related to the profit of the bank. This paper analyzes and controls the risk of the project is of great significance. This paper takes the risk control research of Shenyang Agricultural and Commercial Bank wind farm project as an example. Firstly, it introduces the research background and significance of the risk control of the loan project, which can grasp the project risk change in time, discover the major risk and correct it in time. Can improve the method of project risk control, more accurate control and research method of project risk. At the same time, through the risk identification of the project loan project of wind farm, it is found that the risk exists, including the compliance risk of credit management system, guarantee risk, repayment risk and post-loan management risk. Then, focus on the loan project financial situation, repayment, guarantee, market conditions for risk analysis. The financial situation is analyzed from debt structure, equity structure, financial structure, profitability and solvency. Repayment from the first source of repayment, the second source of repayment analysis. The guarantee situation analyzes the surety's ability and the feasibility of the guarantee. Market conditions are analyzed from industry conditions, industry barriers, policy impacts, upstream and downstream industries, and project competitiveness. In view of the above problems, combined with the basic principles of project risk control, four risk control measures are worked out: the risk control measures of the credit management system of Shenyang Agricultural and Commercial Bank, The measures to control the repayment risk of the wind farm project loan project of Shenyang Agricultural and Commercial Bank, the guarantee risk control measures of the wind farm project loan project of Shenyang Agricultural and Commercial Bank, and the risk avoidance measures of the wind farm project loan project of Shenyang Agricultural and Commercial Bank. First, we should set up and perfect the credit management organization framework, reengineer the credit business operation process, construct the credit management system system, strengthen the guidance to the industry and industry information, strictly monitor the credit, check and investigate the responsibility, and strengthen the construction of the credit contingent. Second, control from the first repayment source, the second repayment source, the repayment way. Third, the guarantee way is to guarantee the guarantee and control the guarantee object. Fourth, we should pay attention to the company's operation and cash flow status and change, implement the risk early warning system and the major risk report system to the loan, and strengthen the daily management of the post-loan follow-up inspection. Through risk control, to achieve the purpose of risk management and risk reduction. Through the analysis of the current situation of risk control in the project of wind farm project loan of Shenyang Agricultural and Commercial Bank and the proposal of risk control measures, it is hoped that the loan project of wind farm project of Shenyang Agricultural and Commercial Bank can better control the risk. At the same time, it can provide some reference for future risk control.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.41;F272.3

【参考文献】