【摘要】：各地方正在如火如荼的開展新農(nóng)村建設(shè)，“新農(nóng)村”的概念曾經(jīng)多次在各類政策性文件中被提及，但新農(nóng)村的含義卻較難定義，新農(nóng)村建設(shè)的主要建設(shè)內(nèi)容也沒有具體的范圍。但大量的資金需求和未來農(nóng)村金融市場(chǎng)的合作前景，促使商業(yè)銀行創(chuàng)新推出新農(nóng)村建設(shè)項(xiàng)目貸款的業(yè)務(wù)。由于該項(xiàng)業(yè)務(wù)正處于剛剛起步的階段，尚未形成符合其特點(diǎn)的風(fēng)險(xiǎn)評(píng)價(jià)體系。 本文采用風(fēng)險(xiǎn)管理的一般理論，從新農(nóng)村、新農(nóng)村建設(shè)項(xiàng)目貸款的相關(guān)定義入手，揭示新農(nóng)村建設(shè)項(xiàng)目的特點(diǎn)，結(jié)合商業(yè)銀行識(shí)別項(xiàng)目融資風(fēng)險(xiǎn)的普遍方法，將新農(nóng)村建設(shè)項(xiàng)目貸款中各種風(fēng)險(xiǎn)因素分類、分層識(shí)別。運(yùn)用層次分析法（AHP）理論在風(fēng)險(xiǎn)分析的基礎(chǔ)上，對(duì)各類、各層次風(fēng)險(xiǎn)因素對(duì)整體項(xiàng)目風(fēng)險(xiǎn)程度的影響程度進(jìn)行排序，完成風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系的構(gòu)建工作。將風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)的結(jié)論通過案例的形式進(jìn)行運(yùn)用分析，達(dá)到理論與實(shí)際結(jié)合，并有效指導(dǎo)應(yīng)用的目的。結(jié)合風(fēng)險(xiǎn)識(shí)別和風(fēng)險(xiǎn)指標(biāo)體系構(gòu)建的成果，在貸款的流程中，，運(yùn)用風(fēng)險(xiǎn)防范的一般方法，提出風(fēng)險(xiǎn)防范的建議。從而達(dá)到感知風(fēng)險(xiǎn)、評(píng)估風(fēng)險(xiǎn)到控制風(fēng)險(xiǎn)的目的。
[Abstract]:Every place is carrying out the new rural construction in full swing, the concept of "new countryside" has been mentioned in various policy documents many times, but the meaning of the new countryside is difficult to define, and the main construction content of the new rural construction has no concrete scope. However, a large amount of capital demand and the prospect of cooperation in the future rural financial market urge commercial banks to innovate and launch new rural construction project loans. Because the business is just in its infancy, it has not formed the risk evaluation system according to its characteristics. This paper adopts the general theory of risk management, starting with the definition of new countryside and new rural construction project loan, reveals the characteristics of new rural construction project, and combines with the common method of commercial bank to identify project financing risk. The new rural construction project loan in the various risk factors classified, hierarchical identification. On the basis of risk analysis, the (AHP) theory of AHP is used to rank the influence degree of all kinds of risk factors on the risk degree of the whole project, and to complete the construction of the risk evaluation index system. The conclusion of risk identification and risk evaluation index is applied and analyzed in the form of case to achieve the purpose of combining theory with practice and guiding the application effectively. Combined with the results of risk identification and risk index system construction, in the process of loan, using the general method of risk prevention, the paper puts forward some suggestions of risk prevention. In order to achieve the perception of risk, risk assessment to control the purpose of risk.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.43;F320

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相關(guān)期刊論文 前2條

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2 鄭小姝;;我國地方政府債務(wù)問題研究[J];知識(shí)經(jīng)濟(jì);2010年10期

本文編號(hào)：2293001