ZG銀行PPP項目授信風(fēng)險識別與防范研究
發(fā)布時間：2018-07-17 19:33
【摘要】：我國城鎮(zhèn)化建設(shè)過程中,公共產(chǎn)品的供給主要由政府部門提供,導(dǎo)致其背負(fù)的債務(wù)越來越重。為合理控制地方政府的債務(wù),積極發(fā)揮社會資本作用,2014年,國務(wù)院首次明確提出“推廣使用政府與社會資本合作模式”,即PPP(Public Private Partnerships)模式。從銀行授信角度,PPP作為一種新型合作模式授信經(jīng)驗相對少,項目各方關(guān)系復(fù)雜,對PPP項目授信存在一定的風(fēng)險。本文通過對ZG銀行PPP項目授信具體案例進(jìn)行分析,找出ZG銀行在參與PPP項目授信過程中可能面臨的主要風(fēng)險,并運用風(fēng)險管理的相關(guān)理論與方法,提出有針對性的風(fēng)險防范建議措施,旨在為商業(yè)銀行授信相關(guān)人員搶抓業(yè)務(wù)機(jī)遇和具體的PPP項目審批提供參考意見。本文核心內(nèi)容主要分為三個部分。首先,對PPP模式和項目風(fēng)險基礎(chǔ)理論概述,指出PPP是“政府和社會資本合作模式”,PPP項目具有復(fù)雜性、多樣性、偶發(fā)性、收益不確定性等風(fēng)險特征,按照理解的不同,PPP項目風(fēng)險可劃分為不同類型。其次,對ZG銀行參與的某PPP項目具體授信案例進(jìn)行分析,指出該PPP項目的主要風(fēng)險因素,歸納出對其授信風(fēng)險主要為:合規(guī)性風(fēng)險、政府信用風(fēng)險、社會資本方履約風(fēng)險、項目持續(xù)經(jīng)營風(fēng)險和銀行內(nèi)部管理風(fēng)險。最后,從防范授信合規(guī)性風(fēng)險、優(yōu)先選擇實力較強(qiáng)的地方政府和社會資本方、加強(qiáng)授信項目的各階段管理、完善銀行內(nèi)部管理四大方面提出ZG銀行PPP項目的授信風(fēng)險防范措施建議。本論文通過對ZG銀行參與的某PPP項目具體授信進(jìn)行案例分析,得出如下結(jié)論:一是PPP項目風(fēng)險具有復(fù)雜性和多樣性,其授信風(fēng)險也具有類似特征。二是銀行在參與PPP項目授信中可能面臨多種風(fēng)險,但要根據(jù)項目的特殊性分辨哪些是最關(guān)鍵的風(fēng)險。三是針對上述風(fēng)險點,考慮從項目主體、項目合規(guī)、信用風(fēng)險、市場風(fēng)險、操作風(fēng)險等角度提出有針對性風(fēng)險防控建議。
[Abstract]:In the process of urbanization in China, the supply of public goods is mainly provided by the government departments, which leads to the increasing debt burden. In order to control the debt of the local government rationally and actively play the role of social capital, in 2014, the State Council first explicitly proposed the "promotion and use of government and social capital cooperation model", that is, PPP (Public Private Partn). Erships) mode. From the bank credit point of view, PPP is relatively less experienced as a new type of cooperative model, the relationship between the parties is complex and there is a certain risk for the PPP project credit. This paper analyzes the specific cases of the PPP project of the ZG bank, and finds out the main risks that the ZG bank may face in the process of participating in the PPP project. Based on the related theories and methods of risk management, the targeted measures for risk prevention are proposed. The aim is to provide reference for business opportunities and specific PPP project approval. The core content of this paper is divided into three parts. First, the basic theory of PPP model and project risk is summarized, and PPP is pointed out. It is "the mode of cooperation between government and social capital". The PPP project has the characteristics of complexity, diversity, contingency, uncertainty and so on. According to different understanding, the risk of PPP project can be divided into different types. Secondly, the paper analyzes the specific credit case of a PPP project involved in ZG bank, and points out the main risk factors of the PPP project, and return the main risk factors to the project. The main risks are compliance risk, government credit risk, social capital side risk, project sustainable management risk and internal bank management risk. Finally, from the prevention of compliance risk, the priority of local government and social capital should be chosen to strengthen the management of all stages of the credit project and perfect the bank. The four main aspects of the Ministry of management put forward the proposal of the credit risk prevention measures of the ZG bank PPP project. Through the case analysis of the specific credit of a PPP project involved in the ZG bank, this paper draws the following conclusions: first, the risk of the PPP project is complex and diverse, and the credit risk has similar characteristics. Two is the bank's participation in the PPP project. There may be a variety of risks, but what is the most critical risk should be identified according to the particularity of the project. Three is to put forward targeted risk prevention and control suggestions from the aspects of project subject, project compliance, credit risk, market risk, operation risk and so on.
【學(xué)位授予單位】：中南財經(jīng)政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F283;F832.4
本文編號：2130706
[Abstract]:In the process of urbanization in China, the supply of public goods is mainly provided by the government departments, which leads to the increasing debt burden. In order to control the debt of the local government rationally and actively play the role of social capital, in 2014, the State Council first explicitly proposed the "promotion and use of government and social capital cooperation model", that is, PPP (Public Private Partn). Erships) mode. From the bank credit point of view, PPP is relatively less experienced as a new type of cooperative model, the relationship between the parties is complex and there is a certain risk for the PPP project credit. This paper analyzes the specific cases of the PPP project of the ZG bank, and finds out the main risks that the ZG bank may face in the process of participating in the PPP project. Based on the related theories and methods of risk management, the targeted measures for risk prevention are proposed. The aim is to provide reference for business opportunities and specific PPP project approval. The core content of this paper is divided into three parts. First, the basic theory of PPP model and project risk is summarized, and PPP is pointed out. It is "the mode of cooperation between government and social capital". The PPP project has the characteristics of complexity, diversity, contingency, uncertainty and so on. According to different understanding, the risk of PPP project can be divided into different types. Secondly, the paper analyzes the specific credit case of a PPP project involved in ZG bank, and points out the main risk factors of the PPP project, and return the main risk factors to the project. The main risks are compliance risk, government credit risk, social capital side risk, project sustainable management risk and internal bank management risk. Finally, from the prevention of compliance risk, the priority of local government and social capital should be chosen to strengthen the management of all stages of the credit project and perfect the bank. The four main aspects of the Ministry of management put forward the proposal of the credit risk prevention measures of the ZG bank PPP project. Through the case analysis of the specific credit of a PPP project involved in the ZG bank, this paper draws the following conclusions: first, the risk of the PPP project is complex and diverse, and the credit risk has similar characteristics. Two is the bank's participation in the PPP project. There may be a variety of risks, but what is the most critical risk should be identified according to the particularity of the project. Three is to put forward targeted risk prevention and control suggestions from the aspects of project subject, project compliance, credit risk, market risk, operation risk and so on.
【學(xué)位授予單位】：中南財經(jīng)政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F283;F832.4
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