發(fā)布時(shí)間：2018-06-04 01:24

  本文選題：項(xiàng)目貸款 + 項(xiàng)目評(píng)估�。� 參考：《河北大學(xué)》2017年碩士論文

【摘要】：商業(yè)銀行是依法成立的經(jīng)營(yíng)貨幣及信貸業(yè)務(wù)的金融機(jī)構(gòu)。安全性、流動(dòng)性和盈利性是商業(yè)銀行的經(jīng)營(yíng)三準(zhǔn)則,其中安全性是商業(yè)銀行第一經(jīng)營(yíng)原則,故商業(yè)銀行中的信貸風(fēng)險(xiǎn)管理在銀行發(fā)展中起到了舉足輕重的地位。在平衡信貸風(fēng)險(xiǎn)和銀行收益方面,科學(xué)的信貸風(fēng)險(xiǎn)管理不可或缺。項(xiàng)目貸款,作為目前國(guó)內(nèi)銀行業(yè)最重要的信貸品種之一,對(duì)其信貸風(fēng)險(xiǎn)把控就顯得尤為重要。面對(duì)日益加劇的同業(yè)競(jìng)爭(zhēng)態(tài)勢(shì),愈發(fā)復(fù)雜的內(nèi)外部經(jīng)濟(jì)環(huán)境,近年來(lái)國(guó)家經(jīng)濟(jì)進(jìn)入“新常態(tài)”時(shí)期,國(guó)家的產(chǎn)業(yè)政策、投資政策都面臨著極大的改變,尤其是近年來(lái)國(guó)家大力推廣“PPP”模式和“政府購(gòu)買服務(wù)”模式用以建設(shè)當(dāng)?shù)鼗A(chǔ)設(shè)施建設(shè),鼓勵(lì)社會(huì)資本進(jìn)入上述領(lǐng)域。上述經(jīng)營(yíng)環(huán)境的變化使得銀行在開(kāi)展項(xiàng)目貸款業(yè)務(wù)方面也面臨著一定的挑戰(zhàn),同時(shí)對(duì)給予項(xiàng)目貸款相應(yīng)指導(dǎo)方向和提供信貸決策的項(xiàng)目貸款風(fēng)險(xiǎn)評(píng)估提出了更高的要求。為了緩解中國(guó)北方水資源嚴(yán)重短缺局面,國(guó)家提出南水北調(diào)重大戰(zhàn)略性工程。隨著國(guó)家南水北調(diào)整體工程的逐步開(kāi)展,各沿線城市必須建設(shè)配套的地表水處理廠作為南水北調(diào)整體工程的配套設(shè)施建設(shè)。近年來(lái),全國(guó)各地尤其是南水北調(diào)沿線地區(qū)紛紛新建地表水處理廠,以滿足日后處理南水北調(diào)水源需求。所以地表水廠項(xiàng)目在未來(lái)一段時(shí)間內(nèi),不僅是各級(jí)政府重點(diǎn)投資項(xiàng)目之一,也是各企事業(yè)單位不可或缺的投資機(jī)會(huì),同樣也會(huì)是商業(yè)銀行主要營(yíng)銷的項(xiàng)目之一,故該類型項(xiàng)目的信貸風(fēng)險(xiǎn)評(píng)估就顯得尤為重要。論文通過(guò)因素分析、理論和實(shí)證相結(jié)合的方法,以Z地表水廠投資項(xiàng)目貸款風(fēng)險(xiǎn)評(píng)估研究為實(shí)例,從項(xiàng)目貸款風(fēng)險(xiǎn)評(píng)估的內(nèi)容和流程著手,對(duì)該項(xiàng)目評(píng)估采用一套較為全面的中長(zhǎng)期項(xiàng)目貸款風(fēng)險(xiǎn)評(píng)估方法對(duì)其風(fēng)險(xiǎn)管理進(jìn)行分析。首先,按照評(píng)估要素內(nèi)容對(duì)該項(xiàng)目進(jìn)行充分論證評(píng)估,根據(jù)評(píng)估結(jié)果找出該類型項(xiàng)目評(píng)估中出現(xiàn)的信貸風(fēng)險(xiǎn)點(diǎn)并提出解決該風(fēng)險(xiǎn)的方案。本文以實(shí)例作為出發(fā)點(diǎn),通過(guò)積極探索優(yōu)化風(fēng)險(xiǎn)管理手段,達(dá)到提高風(fēng)險(xiǎn)管理水平的目標(biāo)。最終的目的為銀行對(duì)該類型項(xiàng)目貸款風(fēng)險(xiǎn)評(píng)估提供有價(jià)值的參考和幫助,在有效的風(fēng)險(xiǎn)管理前提下推進(jìn)項(xiàng)目評(píng)估工作,從而獲得更多信貸投放機(jī)會(huì),在獲得更高收益的同時(shí),降低信貸不良風(fēng)險(xiǎn)。論文的主要論述內(nèi)容分為以下幾個(gè)部分;第一部分是緒論,主要介紹了論文的研究背景和意義、國(guó)內(nèi)外研究現(xiàn)狀及本文的創(chuàng)新;第二部分是項(xiàng)目貸款風(fēng)險(xiǎn)項(xiàng)目評(píng)估的理論概述,包括項(xiàng)目貸款風(fēng)險(xiǎn)評(píng)估的相關(guān)概念和主要內(nèi)容、評(píng)估方法;第三部分是研究Z地表水廠項(xiàng)目貸款風(fēng)險(xiǎn)的要素評(píng)估;第四部分Z地表水廠貸款風(fēng)險(xiǎn)的綜合評(píng)價(jià)并相應(yīng)的給出該類型項(xiàng)目評(píng)估建議。
[Abstract]:A commercial bank is a legally established financial institution operating money and credit. Security, liquidity and profitability are the three principles of commercial bank management, in which security is the first operating principle, so credit risk management plays an important role in the development of commercial banks. In balancing credit risk and bank income, scientific credit risk management is indispensable. Project loan, as one of the most important credit varieties in domestic banking, is very important to control its credit risk. In the face of the increasingly fierce competition in the same industry and the increasingly complex internal and external economic environment, in recent years, the national economy has entered a period of "new normal". The country's industrial policy and investment policy are all facing great changes. In particular, in recent years, the government has vigorously promoted the "PPP" model and the "government purchase service" model to build local infrastructure and encourage social capital to enter these fields. The above changes in the operating environment make banks face certain challenges in carrying out project loan business. At the same time, higher requirements are put forward for project loan risk assessment, which gives the corresponding direction of project loan guidance and provides credit decision. In order to alleviate the serious shortage of water resources in northern China, the state has proposed a major strategic project of transferring water from south to north. With the gradual development of the whole project of National South-to-North Water transfer, the surface water treatment plant must be constructed in every city along the route as the supporting facilities of the whole project of South-to-North Water transfer. In recent years, surface water treatment plants have been built all over the country, especially along the route of South-to-North Water transfer, in order to meet the demand of water supply for South-to-North Water transfer in the future. Therefore, in the future, the surface water plant project will not only be one of the key investment projects at all levels of government, but also an indispensable investment opportunity for enterprises and institutions, and will also be one of the major marketing projects of commercial banks. Therefore, the credit risk assessment of this type of project is particularly important. Through the method of factor analysis, theory and demonstration, taking the risk assessment of investment project of Z surface water plant as an example, this paper starts with the content and process of project loan risk assessment. The risk management of the project is analyzed by a set of comprehensive methods of risk assessment of medium and long term project loans. Firstly, according to the evaluation elements, the project is fully demonstrated and evaluated. According to the evaluation results, the credit risk points in the evaluation of this type of project are found and the solutions to the risk are put forward. This article takes the example as the starting point, through the active exploration optimizes the risk management means, achieves the goal of raising the risk management level. The ultimate aim is to provide a valuable reference and help for banks to evaluate the risk of loans for this type of project, and to advance the project evaluation work in the context of effective risk management, so as to obtain more credit opportunities and obtain higher returns at the same time. Reduce the risk of bad credit. The main content of the paper is divided into the following parts: the first part is the introduction, mainly introduces the research background and significance of the paper, domestic and foreign research status and innovation in this paper; the second part is the theoretical overview of project loan risk project evaluation. It includes the related concepts and main contents of the project loan risk assessment, the evaluation method, the third part is the study of the risk assessment of the Z surface water plant project loan risk. The fourth part is the comprehensive evaluation of the loan risk of Z surface water plant and the corresponding project evaluation suggestions.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F299.24

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本文編號(hào)：1975187