K银行境外投资贷款业务风险管理研究
发布时间：2018-07-21 21:01
【摘要】：境外投资贷款主要指银行为了满足企业进行境外投资过程中形成的巨额资金需求,通过直接贷款、银团贷款、风险参与贷款等多种形式给予企业提供融资渠道,从而支持企业进行境外投资活动的一类贷款品种。近年来,随着我国经济的持续快速增长以及我国国内需求不足的现实状况,我国企业进行境外投资谋求全球化发展成为其发展壮大自身实力的一项重要途径。在对我国企业进行境外投资提供融资的过程中,除了各个商业银行外,我国三大政策性银行之一的K银行也在积极发挥着重要作用。K银行除了对我国进出口企业的外贸活动提供融资支持外,在推动我国企业“走出去”寻求海外市场、获取海外资源方面也扮演着重要的角色。因此,对境外投资贷款项目进行风险识别和计量,并在此基础上作出对境外投资贷款的风险判定,最后根据贷款风险的判定结果,选择项目的受理或放弃,同时对存量业务分目标、分阶段地提出相应的贷款风险应对措施显得意义重大。 本文结合K银行的发展进程及境外投资贷款业务的实际办理情况,从风险识别、风险度量等方面分析了K银行在境外投资贷款业务风险管理过程中存在的问题,并针对风险量化和风险识别提出了风险管理改进建议。为了突出风险量化的可操作性,本文还依据历史业务数据建立了风险量化模型,并验证了该模型的实用性。
[Abstract]:Foreign investment loans mainly refer to banks providing financing channels to enterprises through direct loans, syndicated loans, risk participation loans, and other forms in order to meet the huge capital needs of enterprises in the process of overseas investment. Thus supports the enterprise to carry on the overseas investment activity a kind of loan variety. In recent years, with the sustained and rapid growth of China's economy and the reality of insufficient domestic demand, it has become an important way for Chinese enterprises to develop and strengthen their own strength by investing abroad to seek the development of globalization. In the process of providing financing for overseas investment of Chinese enterprises, in addition to various commercial banks, K Bank, one of the three major policy banks in China, is also playing an important role. Besides providing financing support to the foreign trade activities of our import and export enterprises, K Bank is promoting our enterprises to "go out" and seek overseas markets. Access to overseas resources also plays an important role. Therefore, the risk identification and measurement of overseas investment loan projects are carried out, and on this basis the risk determination of overseas investment loans is made. Finally, according to the result of the judgment of loan risk, the project is accepted or abandoned. At the same time, it is of great significance to put forward corresponding measures to deal with loan risk. Based on the development process of K Bank and the actual handling of overseas investment loan business, this paper analyzes the problems existing in risk management of overseas investment loan business in K Bank from the aspects of risk identification, risk measurement, etc. Suggestions for risk management improvement are put forward for risk quantification and risk identification. In order to highlight the operability of risk quantification, this paper also establishes a risk quantification model based on historical business data, and verifies the practicability of the model.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
[Abstract]:Foreign investment loans mainly refer to banks providing financing channels to enterprises through direct loans, syndicated loans, risk participation loans, and other forms in order to meet the huge capital needs of enterprises in the process of overseas investment. Thus supports the enterprise to carry on the overseas investment activity a kind of loan variety. In recent years, with the sustained and rapid growth of China's economy and the reality of insufficient domestic demand, it has become an important way for Chinese enterprises to develop and strengthen their own strength by investing abroad to seek the development of globalization. In the process of providing financing for overseas investment of Chinese enterprises, in addition to various commercial banks, K Bank, one of the three major policy banks in China, is also playing an important role. Besides providing financing support to the foreign trade activities of our import and export enterprises, K Bank is promoting our enterprises to "go out" and seek overseas markets. Access to overseas resources also plays an important role. Therefore, the risk identification and measurement of overseas investment loan projects are carried out, and on this basis the risk determination of overseas investment loans is made. Finally, according to the result of the judgment of loan risk, the project is accepted or abandoned. At the same time, it is of great significance to put forward corresponding measures to deal with loan risk. Based on the development process of K Bank and the actual handling of overseas investment loan business, this paper analyzes the problems existing in risk management of overseas investment loan business in K Bank from the aspects of risk identification, risk measurement, etc. Suggestions for risk management improvement are put forward for risk quantification and risk identification. In order to highlight the operability of risk quantification, this paper also establishes a risk quantification model based on historical business data, and verifies the practicability of the model.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
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