本文選題：商業(yè)銀行　切入點(diǎn)：中長(zhǎng)期項(xiàng)目貸款　出處：《華北電力大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：項(xiàng)目貸款自引入我國(guó)以來(lái)，為我國(guó)經(jīng)濟(jì)和社會(huì)的發(fā)展發(fā)揮了巨大的作用，能夠很好地解決我國(guó)一些基礎(chǔ)設(shè)施建設(shè)方面資金缺乏的問(wèn)題，為我國(guó)的經(jīng)濟(jì)建設(shè)的快速持續(xù)發(fā)展提供了資金支持。同時(shí)，對(duì)商業(yè)銀行自身來(lái)說(shuō)，項(xiàng)目貸款作為商業(yè)銀行的一項(xiàng)重要的資產(chǎn)業(yè)務(wù)，商業(yè)銀行可以從其較高的利率中獲得可觀的利潤(rùn)從而進(jìn)行自身的發(fā)展和壯大。然而，高收益必定伴隨著高風(fēng)險(xiǎn)，中長(zhǎng)期項(xiàng)目貸款的期限長(zhǎng)，不確定性大，涉及的不確定因素較多，因此，中長(zhǎng)期項(xiàng)目貸款的風(fēng)險(xiǎn)比較大，需要商業(yè)銀行給予更多的關(guān)注，對(duì)中長(zhǎng)期項(xiàng)目貸款的風(fēng)險(xiǎn)管理需要更加全面和謹(jǐn)慎。一旦項(xiàng)目貸款的決策失利，會(huì)給商業(yè)銀行帶來(lái)難以估量的損失，甚至?xí){到商業(yè)銀行自身的生存和發(fā)展。因此，針對(duì)中長(zhǎng)期項(xiàng)目貸款風(fēng)險(xiǎn)管理的深入研究就顯得尤為必要。 本文借鑒世界銀行的做法，突破商業(yè)銀行在項(xiàng)目貸款中僅為貸款提供人，，即債權(quán)人的角色定位，將商業(yè)銀行看成項(xiàng)目的投資人，因此，從投資項(xiàng)目的立項(xiàng)開(kāi)始就進(jìn)行參與，全程跟進(jìn)，直至貸款和利息全額收回，對(duì)項(xiàng)目貸款進(jìn)行分析和總結(jié)反饋為止，分階段對(duì)面臨的風(fēng)險(xiǎn)進(jìn)行分析、評(píng)價(jià)和控制。本文首先對(duì)我國(guó)目前中長(zhǎng)期項(xiàng)目貸款的管理現(xiàn)狀進(jìn)行分析，找出其中存在的問(wèn)題，然后進(jìn)行針對(duì)性的解決。在此基礎(chǔ)上本文針對(duì)各階段風(fēng)險(xiǎn)的評(píng)價(jià)建立了以層次分析法和模糊綜合評(píng)價(jià)方法為基礎(chǔ)的評(píng)價(jià)模型。然后根據(jù)各階段的風(fēng)險(xiǎn)評(píng)價(jià)結(jié)果，提出相應(yīng)的風(fēng)險(xiǎn)應(yīng)對(duì)措施。
[Abstract]:Since the project loan was introduced into our country, it has played a great role in the economic and social development of our country, and can solve the problem of lack of funds in some infrastructure construction in our country. It has provided financial support for the rapid and sustainable development of China's economic construction. At the same time, for the commercial banks themselves, project loans are an important asset business of commercial banks. Commercial banks can gain considerable profits from their higher interest rates to develop and expand themselves. However, high returns must be accompanied by high risk, with long term and high uncertainty of medium- and long-term project loans. Therefore, the risk of medium- and long-term project loans is higher, which requires more attention from commercial banks, and the risk management of medium- and long-term project loans needs to be more comprehensive and cautious. It will bring incalculable losses to commercial banks and even threaten the survival and development of commercial banks. This article draws lessons from the practice of the World Bank, breaks through the role of commercial banks in the project loan only for the loan provider, that is, the role of creditors, the commercial bank as the investors of the project, therefore, from the beginning of the investment project to participate. Follow up the whole process until the loan and interest are fully recovered, the project loan is analyzed and feedback summarized, and the risks are analyzed in stages. Evaluation and control. First of all, this paper analyzes the current management situation of long-term project loans in China, and finds out the existing problems. On the basis of this, an evaluation model based on analytic hierarchy process (AHP) and fuzzy comprehensive evaluation method is established for each stage of risk evaluation. Then, according to the risk evaluation results of each stage, Put forward the corresponding risk countermeasures.
【學(xué)位授予單位】：華北電力大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前8條

1 王晶;;我國(guó)項(xiàng)目融資中銀行貸款的風(fēng)險(xiǎn)評(píng)價(jià)[J];經(jīng)營(yíng)管理者;2012年17期

2 任健;;我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的思考與研究[J];金融經(jīng)濟(jì);2012年18期

3 熊小娟;何佳敏;;基于現(xiàn)金流量表的企業(yè)償債能力分析[J];合作經(jīng)濟(jì)與科技;2010年13期

4 諶斌;;淺議我國(guó)銀行信貸客戶財(cái)務(wù)風(fēng)險(xiǎn)的防范和控制[J];會(huì)計(jì)師;2010年10期

5 田明;;Black-Scholes方程的一種新的證明思路和方法[J];上海工程技術(shù)大學(xué)學(xué)報(bào);2007年03期

6 王偉紅;趙息;黃建通;;建筑項(xiàng)目建設(shè)期現(xiàn)金流預(yù)測(cè):基于移動(dòng)權(quán)重法的新視角[J];現(xiàn)代管理科學(xué);2009年08期

7 萬(wàn)競(jìng)爭(zhēng);況柑林;;在項(xiàng)目融資中商業(yè)銀行如何防范風(fēng)險(xiǎn)[J];中國(guó)商界(下半月);2008年09期

8 康新貴;;淺議工業(yè)企業(yè)抵押貸款的評(píng)估——中長(zhǎng)期貸款項(xiàng)目評(píng)估[J];中國(guó)資產(chǎn)評(píng)估;2011年04期

本文編號(hào)：1626931