發(fā)布時(shí)間：2018-01-15 05:26

  本文關(guān)鍵詞：天津農(nóng)行銀團(tuán)貸款風(fēng)險(xiǎn)管理研究　出處：《河北工業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 銀團(tuán)貸款 銀行 項(xiàng)目管理 風(fēng)險(xiǎn)管理

【摘要】：隨著我國(guó)經(jīng)濟(jì)的高速增長(zhǎng)，眾多的大型重點(diǎn)項(xiàng)目投入建設(shè)，這些項(xiàng)目往往需要巨額的資金支持，這就使得國(guó)際金融市場(chǎng)上普遍采用的銀團(tuán)貸款方式走進(jìn)了國(guó)內(nèi)金融市場(chǎng)。商業(yè)銀行銀團(tuán)貸款是隨著經(jīng)濟(jì)的高速增長(zhǎng)而迅速發(fā)展起來(lái)的一種嶄新的金融產(chǎn)品。與傳統(tǒng)的雙邊貸款相比，銀團(tuán)貸款具有貸款金額大、時(shí)間長(zhǎng)、參加銀行多、便于分散風(fēng)險(xiǎn)以及收益可觀等特點(diǎn)，，因而成為國(guó)際融資領(lǐng)域中長(zhǎng)期貸款的重要形式。同時(shí),銀行通過(guò)參與銀團(tuán)貸款實(shí)現(xiàn)分散信貸風(fēng)險(xiǎn)，有效擴(kuò)充資產(chǎn)規(guī)模，牽頭行可獲得可觀的安排費(fèi)收入，或者發(fā)掘潛在客戶資源而開(kāi)發(fā)其他業(yè)務(wù)�？傊�，銀團(tuán)貸款給銀行提供了其他業(yè)務(wù)無(wú)法提供的諸多便利選擇。 目前銀團(tuán)貸款己經(jīng)成為商業(yè)銀行最具競(jìng)爭(zhēng)力和盈利能力的核心業(yè)務(wù)之一，己經(jīng)成為大型項(xiàng)目融資、企業(yè)并購(gòu)等業(yè)務(wù)的重要的融資方式。但在我國(guó)，銀團(tuán)貸款的發(fā)展還處于起步階段，遠(yuǎn)遠(yuǎn)落后于國(guó)際市場(chǎng)的發(fā)展，如何提前識(shí)別和防范銀團(tuán)貸款時(shí)的項(xiàng)目風(fēng)險(xiǎn)，實(shí)現(xiàn)投資收益的最大化，是銀團(tuán)貸款項(xiàng)目成敗的關(guān)鍵。 本文首先回顧了項(xiàng)目風(fēng)險(xiǎn)管理的相關(guān)理論與方法，對(duì)現(xiàn)有的商業(yè)銀行銀團(tuán)貸款項(xiàng)目風(fēng)險(xiǎn)管理的理論體系進(jìn)行了分析；接著，深入分析了天津農(nóng)行銀團(tuán)貸款項(xiàng)目的特性及風(fēng)險(xiǎn)源；然后，應(yīng)用商業(yè)銀行銀團(tuán)貸款項(xiàng)目風(fēng)險(xiǎn)管理知識(shí)，對(duì)銀團(tuán)貸款進(jìn)行風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)估、得出風(fēng)險(xiǎn)應(yīng)對(duì)策略，并進(jìn)行總結(jié)和分析，最終形成一套完整的天津農(nóng)行銀團(tuán)貸款項(xiàng)目風(fēng)險(xiǎn)管理方法，以指導(dǎo)銀團(tuán)貸款項(xiàng)目風(fēng)險(xiǎn)管理工作，提高項(xiàng)目管理效率、縮短項(xiàng)目周期、降低項(xiàng)目成本，從而創(chuàng)造最大的價(jià)值和效益。
[Abstract]:With the rapid economic growth in China, a large number of major projects into construction, these projects often need a huge amount of financial support. This makes the syndicated loan, which is widely used in the international financial market, come into the domestic financial market. The syndicated loan of commercial banks is a new financial product developed rapidly with the rapid economic growth. Compared with bilateral loans. Syndicated loan has the characteristics of large loan amount, long time, more participation in banks, easy to spread risk and considerable income, so it has become an important form of medium and long-term loans in the field of international financing. Banks can spread credit risk by participating in syndicated loans, effectively expand the scale of assets, lead banks can obtain considerable income from arrangement fees, or explore potential customer resources to develop other business. Syndicated loans offer banks many convenient options that other businesses cannot offer. At present, syndicated loan has become one of the most competitive and profitable core business of commercial banks. It has become an important financing method of large-scale project financing, enterprise M & A and other business. But in China. The development of syndicated loan is still in its infancy, which lags far behind the development of international market. How to identify and prevent the project risk in advance and realize the maximization of investment income. It is the key to the success or failure of the syndicated loan project. Firstly, this paper reviews the relevant theories and methods of project risk management, and analyzes the existing theory system of syndicated loan project risk management in commercial banks. Then, the characteristics and risk sources of the syndicated loan project of Agricultural Bank of Tianjin are deeply analyzed. Then, using the risk management knowledge of syndicated loan project of commercial banks, risk identification, risk assessment, risk response strategy, and summary and analysis are carried out. Finally, a complete set of risk management method of Tianjin Agricultural Bank syndicated loan project is formed to guide the risk management of syndicated loan project, improve the efficiency of project management, shorten the project cycle, and reduce the project cost. Thus creating maximum value and benefit.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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