本文選題：風(fēng)險(xiǎn)控制 + 風(fēng)電場(chǎng)��； 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：對(duì)項(xiàng)目進(jìn)行管理和控制是是項(xiàng)目效益實(shí)現(xiàn)的必要工作，，而項(xiàng)目風(fēng)險(xiǎn)控制是風(fēng)險(xiǎn)管理的重要內(nèi)容，其中最重要的環(huán)節(jié)是項(xiàng)目風(fēng)險(xiǎn)控制。項(xiàng)目風(fēng)險(xiǎn)控制是指項(xiàng)目管理者再項(xiàng)目風(fēng)險(xiǎn)形成的過(guò)程中，根據(jù)風(fēng)險(xiǎn)的識(shí)別方法，發(fā)現(xiàn)風(fēng)險(xiǎn)，分析風(fēng)險(xiǎn)，制定出風(fēng)險(xiǎn)控制措施，對(duì)風(fēng)險(xiǎn)進(jìn)行控制管理，力求項(xiàng)目風(fēng)險(xiǎn)最低、項(xiàng)目達(dá)到利潤(rùn)最大化。 沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目是金融風(fēng)險(xiǎn)的項(xiàng)目，其風(fēng)險(xiǎn)是否能得到控制是關(guān)系到銀行的利潤(rùn),本文對(duì)其風(fēng)險(xiǎn)進(jìn)行分析和控制有著重要意義。 本文以沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目的風(fēng)險(xiǎn)控制研究為例，首先介紹了貸款項(xiàng)目的風(fēng)險(xiǎn)控制的研究背景和研究意義，能夠及時(shí)掌握項(xiàng)目風(fēng)險(xiǎn)變化，發(fā)現(xiàn)重大風(fēng)險(xiǎn)并及時(shí)糾正；能夠改善項(xiàng)目風(fēng)險(xiǎn)控制的方法，對(duì)項(xiàng)目風(fēng)險(xiǎn)進(jìn)行更準(zhǔn)確的控制和研究方法。同時(shí)，通過(guò)對(duì)風(fēng)電場(chǎng)工程貸款項(xiàng)目的風(fēng)險(xiǎn)識(shí)別，發(fā)現(xiàn)其存在的風(fēng)險(xiǎn)，有信貸管理制度的合規(guī)性風(fēng)險(xiǎn)、擔(dān)保風(fēng)險(xiǎn)、還款風(fēng)險(xiǎn)、貸后管理風(fēng)險(xiǎn)。然后，重點(diǎn)對(duì)貸款項(xiàng)目的財(cái)務(wù)情況，還款情況，擔(dān)保情況，市場(chǎng)情況進(jìn)行風(fēng)險(xiǎn)分析。財(cái)務(wù)狀況從負(fù)債結(jié)構(gòu),權(quán)益結(jié)構(gòu)，財(cái)務(wù)結(jié)構(gòu)，盈利能力和償債能力幾方面進(jìn)行分析。還款情況從第一還款來(lái)源，第二還款來(lái)源方面進(jìn)行分析。擔(dān)保情況對(duì)保證人的能力進(jìn)行分析，對(duì)擔(dān)保的可行性進(jìn)行分析。市場(chǎng)情況從行業(yè)狀況，行業(yè)壁壘，政策影響，上下游行業(yè)，項(xiàng)目競(jìng)爭(zhēng)能力幾方面進(jìn)行分析。 針對(duì)上述問(wèn)題，結(jié)合項(xiàng)目風(fēng)險(xiǎn)控制的基本原則，最后對(duì)所存在的風(fēng)險(xiǎn)制定出四項(xiàng)風(fēng)險(xiǎn)控制措施：沈陽(yáng)農(nóng)商行信貸管理制度的風(fēng)險(xiǎn)控制措施、沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目的還款風(fēng)險(xiǎn)控制措施、沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目的擔(dān)保風(fēng)險(xiǎn)控制措施、沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目的風(fēng)險(xiǎn)避險(xiǎn)措施。第一，建立和完善信貸管理組織構(gòu)架、再造信貸業(yè)務(wù)操作流程、構(gòu)建信貸管理制度體系、加強(qiáng)對(duì)產(chǎn)業(yè)、行業(yè)信息的指導(dǎo)、嚴(yán)格信貸監(jiān)測(cè)、檢查和責(zé)任追究、加強(qiáng)信貸隊(duì)伍建設(shè)。第二，從第一還款來(lái)源、第二還款來(lái)源，還款方式進(jìn)行控制。第三，擔(dān)保方式是保證擔(dān)保，對(duì)擔(dān)保對(duì)象進(jìn)行控制。第四，關(guān)注公司經(jīng)營(yíng)及現(xiàn)金流狀況和變動(dòng)情況、對(duì)貸款實(shí)行風(fēng)險(xiǎn)預(yù)警制度和重大風(fēng)險(xiǎn)報(bào)告制度、加強(qiáng)日常貸后跟蹤檢查管理。通過(guò)風(fēng)險(xiǎn)控制，以此來(lái)達(dá)到管理風(fēng)險(xiǎn)、降低風(fēng)險(xiǎn)的目的。 通過(guò)對(duì)沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目風(fēng)險(xiǎn)控制現(xiàn)狀問(wèn)題的分析和對(duì)風(fēng)險(xiǎn)控制措施的提出，希望沈陽(yáng)農(nóng)商行風(fēng)電場(chǎng)工程貸款項(xiàng)目能夠更好地對(duì)風(fēng)險(xiǎn)進(jìn)行控制，實(shí)現(xiàn)項(xiàng)目的利潤(rùn)最大化；同時(shí)也能為今后的風(fēng)險(xiǎn)控制工作提供一定的參考意見(jiàn)。
[Abstract]:It is necessary to manage and control the project benefit, and the project risk control is the important content of the risk management, the most important link is the project risk control. Project risk control refers to the process of project manager reproject risk formation, according to the risk identification method, find out the risk, analyze the risk, formulate the risk control measures, control and manage the risk, strive for the lowest project risk. The project maximizes profits. The project of project loan for wind farm project of Shenyang Agricultural and Commercial Bank is a project of financial risk. Whether the risk can be controlled is related to the profit of the bank. This paper analyzes and controls the risk of the project is of great significance. This paper takes the risk control research of Shenyang Agricultural and Commercial Bank wind farm project as an example. Firstly, it introduces the research background and significance of the risk control of the loan project, which can grasp the project risk change in time, discover the major risk and correct it in time. Can improve the method of project risk control, more accurate control and research method of project risk. At the same time, through the risk identification of the project loan project of wind farm, it is found that the risk exists, including the compliance risk of credit management system, guarantee risk, repayment risk and post-loan management risk. Then, focus on the loan project financial situation, repayment, guarantee, market conditions for risk analysis. The financial situation is analyzed from debt structure, equity structure, financial structure, profitability and solvency. Repayment from the first source of repayment, the second source of repayment analysis. The guarantee situation analyzes the surety's ability and the feasibility of the guarantee. Market conditions are analyzed from industry conditions, industry barriers, policy impacts, upstream and downstream industries, and project competitiveness. In view of the above problems, combined with the basic principles of project risk control, four risk control measures are worked out: the risk control measures of the credit management system of Shenyang Agricultural and Commercial Bank, The measures to control the repayment risk of the wind farm project loan project of Shenyang Agricultural and Commercial Bank, the guarantee risk control measures of the wind farm project loan project of Shenyang Agricultural and Commercial Bank, and the risk avoidance measures of the wind farm project loan project of Shenyang Agricultural and Commercial Bank. First, we should set up and perfect the credit management organization framework, reengineer the credit business operation process, construct the credit management system system, strengthen the guidance to the industry and industry information, strictly monitor the credit, check and investigate the responsibility, and strengthen the construction of the credit contingent. Second, control from the first repayment source, the second repayment source, the repayment way. Third, the guarantee way is to guarantee the guarantee and control the guarantee object. Fourth, we should pay attention to the company's operation and cash flow status and change, implement the risk early warning system and the major risk report system to the loan, and strengthen the daily management of the post-loan follow-up inspection. Through risk control, to achieve the purpose of risk management and risk reduction. Through the analysis of the current situation of risk control in the project of wind farm project loan of Shenyang Agricultural and Commercial Bank and the proposal of risk control measures, it is hoped that the loan project of wind farm project of Shenyang Agricultural and Commercial Bank can better control the risk. At the same time, it can provide some reference for future risk control.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.41;F272.3

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本文編號(hào)：1857536