【摘要】：境外投資貸款主要指銀行為了滿(mǎn)足企業(yè)進(jìn)行境外投資過(guò)程中形成的巨額資金需求,通過(guò)直接貸款、銀團(tuán)貸款、風(fēng)險(xiǎn)參與貸款等多種形式給予企業(yè)提供融資渠道,從而支持企業(yè)進(jìn)行境外投資活動(dòng)的一類(lèi)貸款品種。近年來(lái),隨著我國(guó)經(jīng)濟(jì)的持續(xù)快速增長(zhǎng)以及我國(guó)國(guó)內(nèi)需求不足的現(xiàn)實(shí)狀況,我國(guó)企業(yè)進(jìn)行境外投資謀求全球化發(fā)展成為其發(fā)展壯大自身實(shí)力的一項(xiàng)重要途徑。在對(duì)我國(guó)企業(yè)進(jìn)行境外投資提供融資的過(guò)程中,除了各個(gè)商業(yè)銀行外,我國(guó)三大政策性銀行之一的K銀行也在積極發(fā)揮著重要作用。K銀行除了對(duì)我國(guó)進(jìn)出口企業(yè)的外貿(mào)活動(dòng)提供融資支持外,在推動(dòng)我國(guó)企業(yè)“走出去”尋求海外市場(chǎng)、獲取海外資源方面也扮演著重要的角色。因此,對(duì)境外投資貸款項(xiàng)目進(jìn)行風(fēng)險(xiǎn)識(shí)別和計(jì)量,并在此基礎(chǔ)上作出對(duì)境外投資貸款的風(fēng)險(xiǎn)判定,最后根據(jù)貸款風(fēng)險(xiǎn)的判定結(jié)果,選擇項(xiàng)目的受理或放棄,同時(shí)對(duì)存量業(yè)務(wù)分目標(biāo)、分階段地提出相應(yīng)的貸款風(fēng)險(xiǎn)應(yīng)對(duì)措施顯得意義重大。 本文結(jié)合K銀行的發(fā)展進(jìn)程及境外投資貸款業(yè)務(wù)的實(shí)際辦理情況,從風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)度量等方面分析了K銀行在境外投資貸款業(yè)務(wù)風(fēng)險(xiǎn)管理過(guò)程中存在的問(wèn)題,并針對(duì)風(fēng)險(xiǎn)量化和風(fēng)險(xiǎn)識(shí)別提出了風(fēng)險(xiǎn)管理改進(jìn)建議。為了突出風(fēng)險(xiǎn)量化的可操作性,本文還依據(jù)歷史業(yè)務(wù)數(shù)據(jù)建立了風(fēng)險(xiǎn)量化模型,并驗(yàn)證了該模型的實(shí)用性。
[Abstract]:Foreign investment loans mainly refer to banks providing financing channels to enterprises through direct loans, syndicated loans, risk participation loans, and other forms in order to meet the huge capital needs of enterprises in the process of overseas investment. Thus supports the enterprise to carry on the overseas investment activity a kind of loan variety. In recent years, with the sustained and rapid growth of China's economy and the reality of insufficient domestic demand, it has become an important way for Chinese enterprises to develop and strengthen their own strength by investing abroad to seek the development of globalization. In the process of providing financing for overseas investment of Chinese enterprises, in addition to various commercial banks, K Bank, one of the three major policy banks in China, is also playing an important role. Besides providing financing support to the foreign trade activities of our import and export enterprises, K Bank is promoting our enterprises to "go out" and seek overseas markets. Access to overseas resources also plays an important role. Therefore, the risk identification and measurement of overseas investment loan projects are carried out, and on this basis the risk determination of overseas investment loans is made. Finally, according to the result of the judgment of loan risk, the project is accepted or abandoned. At the same time, it is of great significance to put forward corresponding measures to deal with loan risk. Based on the development process of K Bank and the actual handling of overseas investment loan business, this paper analyzes the problems existing in risk management of overseas investment loan business in K Bank from the aspects of risk identification, risk measurement, etc. Suggestions for risk management improvement are put forward for risk quantification and risk identification. In order to highlight the operability of risk quantification, this paper also establishes a risk quantification model based on historical business data, and verifies the practicability of the model.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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本文編號(hào)：2136844