D分行政府背景项目贷款风险控制研究

发布时间：2018-08-03 14:57

【摘要】：地方政府融资平台公司是一类由地方政府出资组建的、专门用来从商业银行融资的特殊性质公司。本文通过实证分析研究D分行如何在有效管理本行地方政府融资平台贷款风险的基础上,满足地方融资平台公司健康、协调和持续发展的需要,并对D分行政府背景项目贷款风险控制提出改善建议。在随着国家拉动内需、刺激经济计划的逐步深入实施,我国地方政府经济发展面临着新的机遇与挑战,一个个数亿、数十亿的项目相继上马建设,而通过传统方式所得到的有限财政发展资金远远不能满足当前地方政府投资项目的需要。同时,根据国家相关法律法规,与地方政府相关的国家权力及事业性机构无法从金融市场直接获取资金。因此,地方政府融资平台公司孕育而生。本文在阅读大量国内外相关文献的基础上,对中国工商银行及其D分行的基本情况、经营特点、信贷资产结构进行了全方面的介绍,选取D分行电力设施、基础轨道交通及开发区城建三类典型地方政府融资平台企业,通过对其基本情况、财务情况、融资项目情况、项目盈利性情况、贷款偿债能力的比较分析,归纳出各类政府融资平台客户的趋同特点,包括“贷款担保方式单一和中长期贷款为主”、“项目贷款具有强烈的政府意愿”、“财政兜底”的还款方式将财政与银行风险进行了捆绑等。在此基础上,本文分析总结出D分行政府融资平台项目贷款面临的风险及风险形成因素,并从内外部两方面探讨控制风险的具体措施。在D分行外部,建立地方政府投融资平台总量控制和预警机制,建立地方政府与商业银行风险共担和规避机制,建立地方政府投融资债务还款保障机制；在D分行内部,建立全面风险管理体系,实施地方政府融资平台风险限额管理,建立贷款集中风险预警机制,实行以风险集中为基础的管理组合。
[Abstract]:The local government financing platform company is a kind of special company which is set up by the local government and is specially used to finance from commercial banks. Through empirical analysis, this paper studies how D Branch can meet the needs of healthy, coordinated and sustainable development of local financing platform companies on the basis of effective management of loan risk of local government financing platform. And to D branch government background project loan risk control proposed the improvement proposal. With the gradual and in-depth implementation of the national plan to stimulate domestic demand and stimulate economic development, local governments in our country are facing new opportunities and challenges. Hundreds of millions and billions of projects have been launched one after another. However, the limited financial development funds obtained through the traditional way are far from meeting the needs of current local government investment projects. At the same time, according to the relevant national laws and regulations, local government-related state power and institutional institutions can not directly access funds from the financial market. Therefore, local government financing platform companies are born. On the basis of reading a large number of related documents at home and abroad, this paper introduces the basic situation, management characteristics, credit asset structure of ICBC and its D branch, and selects D branch power facilities. Through the comparative analysis of the basic conditions, financial situation, financing project situation, project profitability, loan repayment ability of three typical local government financing platform enterprises of basic rail transit and urban construction of development zone, The convergent characteristics of all kinds of government financing platform customers are summarized, including "single loan guarantee mode and medium and long-term loan", "Project loan has strong government will", "Fiscal bottom" repayment method will finance and bank risk bundled and so on. On this basis, this paper analyzes and summarizes the risk and risk forming factors faced by D branch government financing platform project loan, and probes into the concrete measures to control the risk from the internal and external aspects. Outside branch D, establish total quantity control and early warning mechanism of local government investment and financing platform, establish risk sharing and evading mechanism between local government and commercial bank, establish repayment guarantee mechanism of local government investment and financing debt; Establish a comprehensive risk management system, implement the local government financing platform risk quota management, establish a loan concentration risk warning mechanism, implement the risk concentration based on the management mix.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F283

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