【摘要】：地方融資平臺(tái)是在我國(guó)特殊的國(guó)情背景下，地方政府投融資改革產(chǎn)生的一種新型投融資體系，，始于上世紀(jì)九十年代。在2008年金融危機(jī)后，地方融資平臺(tái)的數(shù)量呈現(xiàn)快速發(fā)展趨勢(shì)，無(wú)論是在數(shù)量上還是在融資規(guī)模上都達(dá)到歷史最高峰。地方融資平臺(tái)在一定程度上緩解了中央政府與地方政府在財(cái)權(quán)和事權(quán)不匹配的矛盾，其強(qiáng)大的籌資能力有力地推動(dòng)了我國(guó)基礎(chǔ)設(shè)施建設(shè)，并為我國(guó)應(yīng)對(duì)國(guó)際金融危機(jī)發(fā)揮了重要作用。但是銀行貸款作為地方融資平臺(tái)最主要的融資方式，在其資金來(lái)源中占有絕大部分份額，規(guī)模龐大的地方融資平臺(tái)貸款給整個(gè)金融系統(tǒng)尤其是銀行業(yè)帶來(lái)了不可忽視的風(fēng)險(xiǎn)隱患。特別是在2011年云投債和上海城投出現(xiàn)信用違約風(fēng)險(xiǎn)事件之后，地方融資平臺(tái)貸款一時(shí)被推向風(fēng)口浪尖。自2012年之后，地方政府的償債能力下降較快，無(wú)疑進(jìn)一步加大了地方融資平臺(tái)貸款的風(fēng)險(xiǎn)。在這種背景下，研究商業(yè)銀行如何防范地方融資平臺(tái)貸款風(fēng)險(xiǎn)就顯得十分緊迫和重要。 本文著重研究了商業(yè)銀行對(duì)地方融資平臺(tái)貸款的現(xiàn)狀，闡明了商業(yè)銀行對(duì)地方融資平臺(tái)貸款主要存在政策變動(dòng)性風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)、償付能力風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)和貸款集中度風(fēng)險(xiǎn)等，最后在分析探明風(fēng)險(xiǎn)的基礎(chǔ)上，提出商業(yè)銀行應(yīng)對(duì)地方融資平臺(tái)貸款風(fēng)險(xiǎn)的具體對(duì)策，以期促進(jìn)商業(yè)銀行進(jìn)行全面風(fēng)險(xiǎn)管理和可持續(xù)發(fā)展。
[Abstract]:Local financing platform (LFP) is a new investment and financing system produced by the reform of local government investment and financing under the background of our country's special national conditions, which began in the 1990s. After the financial crisis in 2008, the number of local financing platforms showed a rapid development trend, both in terms of quantity and financing scale have reached a historical peak. To a certain extent, the local financing platform alleviates the contradiction between the central government and the local government in the mismatch between the financial power and the administrative power, and its powerful financing ability has given a powerful impetus to the construction of infrastructure in our country. And for our country to deal with the international financial crisis has played an important role. However, bank loans, as the most important means of financing for local financing platforms, account for the vast majority of their funding sources. The huge loan of local financing platform brings risks to the whole financial system, especially the banking industry. In particular, in 2011 after the cloud debt and Shanghai City Investment in the event of credit default risk, local financing platform loans were temporarily pushed to the forefront of the storm. Since 2012, the ability of local governments to repay debt has declined more rapidly, undoubtedly further increasing the risk of lending through local financing vehicles. Under this background, it is very urgent and important to study how to prevent the loan risk of local financing platform. This paper focuses on the current situation of commercial banks lending to local financing platform, and clarifies that commercial banks mainly have the risk of policy change, legal risk, solvency risk to local financing platform loan. Finally, on the basis of analyzing the proved risk, the paper puts forward the concrete countermeasures for commercial banks to deal with the loan risk of local financing platform, in order to promote the overall risk management and sustainable development of commercial banks.
【學(xué)位授予單位】：天津商業(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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