本文選題：銀團(tuán)貸款 + 風(fēng)險(xiǎn)管理　； 參考：《廣東商學(xué)院》2013年碩士論文

【摘要】：銀團(tuán)貸款以融資金額大、貸款期限長(zhǎng)和風(fēng)險(xiǎn)分散的優(yōu)勢(shì)，已經(jīng)成為國(guó)際資本市場(chǎng)上最重要的融資渠道之一，并呈現(xiàn)出持續(xù)增長(zhǎng)的良好態(tài)勢(shì)。而國(guó)內(nèi)銀團(tuán)貸款的相關(guān)理論及銀團(tuán)融資創(chuàng)新形式發(fā)展相對(duì)緩慢，如何加快銀團(tuán)貸款業(yè)務(wù)發(fā)展，逐步提升融資風(fēng)險(xiǎn)管理能力已成為國(guó)內(nèi)商業(yè)銀行面臨的重大課題。 本文對(duì)銀團(tuán)貸款及風(fēng)險(xiǎn)管理的相關(guān)理論進(jìn)行梳理，以風(fēng)險(xiǎn)管理作為切入點(diǎn)，采用定性與定量分析相結(jié)合的方法，分析了以國(guó)內(nèi)G銀行作為牽頭行的BLH火電項(xiàng)目銀團(tuán)貸款融資項(xiàng)目，并針對(duì)該銀團(tuán)貸款項(xiàng)目的潛在風(fēng)險(xiǎn)提出管理措施。本文首先采用了SWOT分析方法，對(duì)BLH火電項(xiàng)目的內(nèi)部環(huán)境和外部環(huán)境進(jìn)行分析，從優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)和威脅四個(gè)維度識(shí)別該項(xiàng)目的可行性以及潛在的風(fēng)險(xiǎn)；然后通過(guò)企業(yè)財(cái)務(wù)狀況分析，對(duì)BLH企業(yè)在盈利能力、營(yíng)運(yùn)能力、償債能力、發(fā)展能力、資產(chǎn)管理效益等方面的財(cái)務(wù)指標(biāo)進(jìn)行評(píng)估，運(yùn)用現(xiàn)金流量模型對(duì)BLH銀團(tuán)貸款項(xiàng)目的未來(lái)現(xiàn)金流量進(jìn)行定量分析，得出該銀團(tuán)貸款項(xiàng)目的風(fēng)險(xiǎn)及其影響程度；最后根據(jù)整個(gè)項(xiàng)目的銀團(tuán)貸款風(fēng)險(xiǎn)分析結(jié)果提出措施建議：一是建立銀團(tuán)參貸行間定期信息交流制度；二是建立銀團(tuán)貸后管理責(zé)任制及定期通報(bào)制度；三是建立項(xiàng)目定期壓力測(cè)試制度；四是建立銀團(tuán)貸款風(fēng)險(xiǎn)轉(zhuǎn)移制度；五是建立銀團(tuán)貸款合同內(nèi)容動(dòng)態(tài)調(diào)整機(jī)制。 本文通過(guò)對(duì)以G銀行作為牽頭行的BLH火電項(xiàng)目銀團(tuán)貸款的風(fēng)險(xiǎn)管理進(jìn)行分析，，具有理論和實(shí)際應(yīng)用意義：一方面是補(bǔ)充和豐富了我國(guó)銀團(tuán)貸款所涉及的領(lǐng)域和風(fēng)險(xiǎn)管理理論，促進(jìn)我國(guó)有關(guān)銀團(tuán)貸款風(fēng)險(xiǎn)問(wèn)題的進(jìn)一步研究；另一方面是為國(guó)內(nèi)其他商業(yè)銀行開(kāi)展相關(guān)或者類(lèi)似項(xiàng)目的銀團(tuán)貸款業(yè)務(wù)提供了借鑒和參考，有利于我國(guó)商業(yè)銀行完善自身的業(yè)務(wù)種類(lèi)，規(guī)范銀團(tuán)貸款的風(fēng)險(xiǎn)管理模式，提高商業(yè)銀行在銀團(tuán)貸款業(yè)務(wù)上的競(jìng)爭(zhēng)力。
[Abstract]:It has become one of the most important financing channels in the international capital market , which has become one of the most important financing channels in the international capital market , which has become one of the most important financing channels in the international capital market .

Based on the analysis of the internal environment and external environment of BLH project , this paper analyzes the internal environment and external environment of BLH project , and identifies the feasibility and potential risks of this project from the four dimensions of advantages , disadvantages , opportunities and threats .
Then , the financial indexes of BLH enterprise ' s profitability , operation ability , debt service ability , development ability , asset management benefit etc . are assessed by enterprise financial situation analysis , and the future cash flow of BLH syndicated loan project is analyzed quantitatively by using cash flow model .
Finally , according to the analysis result of the whole project ' s credit risk analysis , the author puts forward some suggestions : one is the establishment of the regular information exchange system of syndicated loan ;
Second , the establishment of post - loan management responsibility system and regular reporting system ;
Third , establish the periodic pressure test system of the project ;
The fourth is to establish the system of bank loan risk transfer ;
The fifth is to establish the content dynamic adjustment mechanism of syndicated loan contract .

This paper analyzes the risk management of the BLH project of BLH project , which takes the G - bank as the leading bank , and has the theoretical and practical significance : on the one hand , it supplements and enriches the field and risk management theory involved in our country ' s syndicated loan , and promotes the further research on the loan risk in China .
On the other hand , it provides reference and reference for the syndicated loan business of other commercial banks in China , which is beneficial to China ' s commercial banks to improve their own business categories , regulate the risk management mode of syndicated loans , and improve the competitiveness of commercial banks in syndicated loan business .
【學(xué)位授予單位】：廣東商學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 鄒春勝;談項(xiàng)目融資風(fēng)險(xiǎn)及其防范措施[J];財(cái)會(huì)月刊;2004年04期

2 楊新蘭;楊新紅;;我國(guó)銀團(tuán)貸款市場(chǎng)發(fā)展策略分析[J];南方金融;2007年09期

3 蘇幼紅;美國(guó)銀團(tuán)貸款市場(chǎng)的新特點(diǎn)[J];國(guó)際金融研究;2001年08期

4 陳恩良;在不斷創(chuàng)新中發(fā)展的國(guó)際銀團(tuán)貸款市場(chǎng)[J];國(guó)際金融研究;2003年07期

5 陳恩良;2003年國(guó)際銀團(tuán)市場(chǎng)回顧[J];國(guó)際金融研究;2004年05期

6 楊育謀;;銀團(tuán)貸款的中國(guó)瓶頸[J];國(guó)際融資;2005年07期

7 馮靜生;;銀團(tuán)貸款:國(guó)際經(jīng)驗(yàn)借鑒與發(fā)展策略[J];廣西金融研究;2007年09期

8 王瑋沁;;商業(yè)銀行銀團(tuán)貸款業(yè)務(wù)的現(xiàn)狀與改善建議[J];海南金融;2006年04期

9 陳鄂順;;現(xiàn)行銀團(tuán)貸款制度的突破與局限[J];今日財(cái)富(金融版);2008年10期

10 岳竹民;;城市商業(yè)銀行銀團(tuán)貸款初探[J];華北金融;2009年11期

本文編號(hào)：1986488