AL风力发电项目贷款评估研究

发布时间：2018-06-10 12:54

本文选题：项目评估 + 贷款项目　；参考：《吉林大学》2013年硕士论文

【摘要】：贷款项目评估是金融机构规避贷款风险，优选信贷项目的必要工作，是信贷放款的先决条件和重要步骤。虽然贷款项目评估理论和方法体系经过长期以来的改进和完善，日趋成熟，但是，随着我国经济社会的飞速发展，金融机构所面临的项目性质、类型也千变万化，评估中所要考虑的因素也千差万别。另外，不同的金融机构对贷款项目的具体评估方法、体系也是存大同而有小异的。需要特别指出的是，近年来我国金融机构雨后春笋般地涌现，小额贷款公司、村镇银行等新型金融机构不断出现，新金融机构、新从业人员对贷款项目评估方法掌握和操作能力参差不齐，尤其对新兴行业、特殊行业，更是缺乏必要的了解，直接的结果是贷款项目评估的深度和广度不够，，造成信贷风险加剧。因此，对每个行业建立科学的项目评估典型案例，确立科学的评估方法和步骤，对金融机构而言，尤为重要。本文站在金融机构的角度，在对贷款项目评估的理论、方法作必要的概述的基础上，在风电发电行业中选取一个典型项目——AL风电项目，从建设单位的主体资格、承贷资格以及项目的合规情况、市场情况、效益情况、风险控制情况等方面进行了全面系统的分析和论证，并得出了客观和全面的评估结论，为金融机构发放贷款提供基本依据，同时也为广大的金融机构从业人员在风电贷款项目评估中提供一些借鉴和启示。
[Abstract]:Loan project evaluation is a necessary work for financial institutions to avoid loan risk and to select credit projects. It is also a prerequisite and an important step for credit lending. Although the theory and method system of loan project evaluation has been improved and perfected for a long time, but with the rapid development of our country's economy and society, the nature and type of the projects faced by financial institutions are also changing. The factors to be considered in the assessment vary widely. In addition, different financial institutions to the specific evaluation of loan projects, the system is similar and small differences. In particular, in recent years, China's financial institutions have sprung up, new financial institutions, such as microfinance companies, village and town banks, and new financial institutions are constantly emerging. New employees' ability to master and operate loan project evaluation methods is not uniform, especially for emerging industries and special industries. The direct result is that the depth and breadth of loan project evaluation are not enough. Increase credit risk. Therefore, it is very important for financial institutions to establish a typical case of scientific project evaluation for each industry, and to establish scientific evaluation methods and steps. Methods on the basis of the necessary summary, a typical project, AL wind power project, is selected in wind power generation industry, from the main qualification of the construction unit, the credit qualification, the compliance of the project, the market situation, the benefit situation. The comprehensive and systematic analysis and argumentation of the risk control are carried out, and the objective and comprehensive evaluation conclusions are obtained, which provide the basic basis for the financial institutions to grant loans. At the same time, it also provides some reference and inspiration for the employees of financial institutions in the evaluation of wind power loan projects.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.41;F426.61

【参考文献】