基于模糊综合评价法的商业银行对地方政府融资平台贷款风险分析
发布时间：2018-12-30 17:04
【摘要】：我国商业银行的主要放款方式为信用贷款。伴随着经济的发展，信贷业务飞速发展，尤其是08年金融危机以后，各级地方政府融资平台活跃异常，商业银行的信贷投放量迅猛增长，，截至去年年底，银行贷款占据了地方债务总额的近80%，这就给发放贷款的商业银行和相关政府部门带来了一定的风险。 因此，本文着重对我国目前商业银行地方政府融资平台贷款所面临的风险进行分析评价，首先对地方政府融资平台贷款的背景、发展及现状进行分析。接着，就目前商业银行与地方政府融资平台的合作模式进行阐述。然后，从国家层面、地方政府层面、商业银行自身层面三个维度来分析商业银行面临的风险因素。随后，引入了模糊综合评价法建立了商业银行的融资平台贷款风险分析模型，并通过分析某地级市的某股份制银行的地方政府融资平台贷款现状进行了实证研究。最后，结合地方政府融资平台贷款未来的发展趋势，从商业银行的角度提出了政策建议来规避、减少地方政府融资平台贷款风险的影响。 本研究旨在针对当前我国商业银行对政府类投融资平台发放贷款中存在的问题，综合考量商业银行自身的授信标准以及风险管理要求，建立风险评价体系，对融资平台贷款的风险进行综合评价并提出政策建议，希望能引起相关各方的注意，共同为银行的经营管理提供一个理想的内外部环境。
[Abstract]:The main way of lending to commercial banks in China is credit loan. With the development of economy and the rapid development of credit business, especially after the financial crisis of 2008, the financing platforms of local governments at all levels are very active, and the amount of credit invested by commercial banks has increased rapidly. By the end of last year, Bank loans account for nearly 80% of the total local debt, which brings certain risks to commercial banks and related government departments. Therefore, this paper focuses on the analysis and evaluation of the risks faced by local government financing platform loans of commercial banks. Firstly, the background, development and current situation of local government financing platform loans are analyzed. Then, the cooperation mode between commercial banks and local government financing platform is expounded. Then, from the national level, the local government level, the commercial bank level three dimensions to analyze the commercial bank to face the risk factor. Then, the fuzzy comprehensive evaluation method is introduced to establish the risk analysis model of commercial banks' financing platform, and an empirical study is made by analyzing the current situation of the local government financing platform loan of a joint-stock bank in a prefectural city. Finally, combined with the future development trend of local government financing platform loan, the paper puts forward some policy suggestions from the perspective of commercial banks to reduce the impact of local government financing platform loan risk. The purpose of this study is to establish a risk evaluation system by considering the credit standards and risk management requirements of commercial banks in view of the problems existing in the granting of loans by commercial banks to government investment and financing platforms. It is hoped that the comprehensive evaluation of the risk of financing platform loan and the policy suggestions can attract the attention of all parties concerned and together provide an ideal internal and external environment for the operation and management of banks.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2395870
[Abstract]:The main way of lending to commercial banks in China is credit loan. With the development of economy and the rapid development of credit business, especially after the financial crisis of 2008, the financing platforms of local governments at all levels are very active, and the amount of credit invested by commercial banks has increased rapidly. By the end of last year, Bank loans account for nearly 80% of the total local debt, which brings certain risks to commercial banks and related government departments. Therefore, this paper focuses on the analysis and evaluation of the risks faced by local government financing platform loans of commercial banks. Firstly, the background, development and current situation of local government financing platform loans are analyzed. Then, the cooperation mode between commercial banks and local government financing platform is expounded. Then, from the national level, the local government level, the commercial bank level three dimensions to analyze the commercial bank to face the risk factor. Then, the fuzzy comprehensive evaluation method is introduced to establish the risk analysis model of commercial banks' financing platform, and an empirical study is made by analyzing the current situation of the local government financing platform loan of a joint-stock bank in a prefectural city. Finally, combined with the future development trend of local government financing platform loan, the paper puts forward some policy suggestions from the perspective of commercial banks to reduce the impact of local government financing platform loan risk. The purpose of this study is to establish a risk evaluation system by considering the credit standards and risk management requirements of commercial banks in view of the problems existing in the granting of loans by commercial banks to government investment and financing platforms. It is hoped that the comprehensive evaluation of the risk of financing platform loan and the policy suggestions can attract the attention of all parties concerned and together provide an ideal internal and external environment for the operation and management of banks.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
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