【摘要】：目前,隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,融資租賃成為緩解企業(yè)融資難融資、成本高的難題和帶動(dòng)產(chǎn)業(yè)升級(jí)的重要手段,特別是在重資產(chǎn)行業(yè)如軌道交通等基礎(chǔ)設(shè)施項(xiàng)目中能獨(dú)立發(fā)揮作用,本文以武漢地鐵A項(xiàng)目為例,研究信用內(nèi)部評(píng)級(jí)法在融資租賃項(xiàng)目風(fēng)險(xiǎn)管理中的運(yùn)用。首先,本文介紹了融資租賃適用的項(xiàng)目類型和融資租賃對(duì)武漢地鐵建設(shè)的作用和意義,采用了文獻(xiàn)綜述法總結(jié)了國(guó)內(nèi)外研究現(xiàn)狀;其次,以融資租賃項(xiàng)目風(fēng)險(xiǎn)評(píng)估體系為基礎(chǔ),梳理了項(xiàng)目操作各個(gè)環(huán)節(jié)的風(fēng)險(xiǎn)要點(diǎn)和應(yīng)對(duì)策略,分析出信用風(fēng)險(xiǎn)在項(xiàng)目風(fēng)險(xiǎn)識(shí)別中的重要地位,并介紹融資租賃行業(yè)的信用風(fēng)險(xiǎn)內(nèi)部評(píng)級(jí)模型,該模型從定量、定性和特殊事項(xiàng)三個(gè)方面設(shè)置信用評(píng)級(jí)指標(biāo),并以承租人的經(jīng)營(yíng)情況和對(duì)外融資數(shù)據(jù)為基礎(chǔ),對(duì)承租人的信用風(fēng)險(xiǎn)進(jìn)行評(píng)估進(jìn)而得出承租人信用等級(jí);最后,結(jié)合武漢市地鐵A項(xiàng)目案例對(duì)各環(huán)節(jié)的風(fēng)險(xiǎn)要點(diǎn)進(jìn)行分析,運(yùn)用融資租賃信用風(fēng)險(xiǎn)內(nèi)部評(píng)價(jià)模型對(duì)承租人進(jìn)行信用評(píng)級(jí),并對(duì)評(píng)級(jí)結(jié)果進(jìn)行風(fēng)險(xiǎn)評(píng)價(jià)分析以及提出有針對(duì)性的風(fēng)險(xiǎn)應(yīng)對(duì)措施。本文研究旨在為基礎(chǔ)設(shè)施行業(yè)的融資租賃業(yè)務(wù)提供識(shí)別承租人信用風(fēng)險(xiǎn)、評(píng)價(jià)風(fēng)險(xiǎn)等級(jí)和設(shè)置信用風(fēng)險(xiǎn)應(yīng)對(duì)措施參考依據(jù)。
[Abstract]:At present, with the rapid development of China's economy, financial leasing has become an important means to alleviate the financing difficulties and high cost of enterprises and to promote industrial upgrading. Especially in the heavy asset industry such as rail transit and other infrastructure projects can play an independent role this paper takes Wuhan Metro A project as an example to study the application of credit internal rating method in the risk management of financial leasing projects. First of all, this paper introduces the applicable project types of financial lease and the role and significance of financial lease on Wuhan subway construction, and summarizes the current research situation at home and abroad by the method of literature review; secondly, based on the risk assessment system of financial lease project, This paper combs the key points and countermeasures of the project operation, analyzes the important position of the credit risk in the project risk identification, and introduces the internal rating model of the credit risk in the financial leasing industry. Three aspects of qualitative and special issues set credit rating indicators, and based on the lessee's operating situation and external financing data as the basis, the lessee's credit risk is evaluated and the lessee's credit rating is obtained. Based on the case of Wuhan Metro A Project, this paper analyzes the risk points of each link, and uses the internal evaluation model of financing lease credit risk to rate the lessee's credit. And the risk evaluation of the rating results and proposed targeted risk response measures. The purpose of this paper is to provide reference basis for identifying lessee credit risk, evaluating risk grade and setting up credit risk countermeasures for financial leasing business in infrastructure industry.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F572.88;F570.5

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