【摘要】：地方政府融資平臺公司是一類由地方政府出資組建的、專門用來從商業(yè)銀行融資的特殊性質(zhì)公司。本文通過實(shí)證分析研究D分行如何在有效管理本行地方政府融資平臺貸款風(fēng)險(xiǎn)的基礎(chǔ)上,滿足地方融資平臺公司健康、協(xié)調(diào)和持續(xù)發(fā)展的需要,并對D分行政府背景項(xiàng)目貸款風(fēng)險(xiǎn)控制提出改善建議。 在隨著國家拉動內(nèi)需、刺激經(jīng)濟(jì)計(jì)劃的逐步深入實(shí)施,我國地方政府經(jīng)濟(jì)發(fā)展面臨著新的機(jī)遇與挑戰(zhàn),一個個數(shù)億、數(shù)十億的項(xiàng)目相繼上馬建設(shè),而通過傳統(tǒng)方式所得到的有限財(cái)政發(fā)展資金遠(yuǎn)遠(yuǎn)不能滿足當(dāng)前地方政府投資項(xiàng)目的需要。同時,根據(jù)國家相關(guān)法律法規(guī),與地方政府相關(guān)的國家權(quán)力及事業(yè)性機(jī)構(gòu)無法從金融市場直接獲取資金。因此,地方政府融資平臺公司孕育而生。 本文在閱讀大量國內(nèi)外相關(guān)文獻(xiàn)的基礎(chǔ)上,對中國工商銀行及其D分行的基本情況、經(jīng)營特點(diǎn)、信貸資產(chǎn)結(jié)構(gòu)進(jìn)行了全方面的介紹,選取D分行電力設(shè)施、基礎(chǔ)軌道交通及開發(fā)區(qū)城建三類典型地方政府融資平臺企業(yè),通過對其基本情況、財(cái)務(wù)情況、融資項(xiàng)目情況、項(xiàng)目盈利性情況、貸款償債能力的比較分析,歸納出各類政府融資平臺客戶的趨同特點(diǎn),包括“貸款擔(dān)保方式單一和中長期貸款為主”、“項(xiàng)目貸款具有強(qiáng)烈的政府意愿”、“財(cái)政兜底”的還款方式將財(cái)政與銀行風(fēng)險(xiǎn)進(jìn)行了捆綁等。在此基礎(chǔ)上,本文分析總結(jié)出D分行政府融資平臺項(xiàng)目貸款面臨的風(fēng)險(xiǎn)及風(fēng)險(xiǎn)形成因素,并從內(nèi)外部兩方面探討控制風(fēng)險(xiǎn)的具體措施。在D分行外部,建立地方政府投融資平臺總量控制和預(yù)警機(jī)制,建立地方政府與商業(yè)銀行風(fēng)險(xiǎn)共擔(dān)和規(guī)避機(jī)制,建立地方政府投融資債務(wù)還款保障機(jī)制；在D分行內(nèi)部,建立全面風(fēng)險(xiǎn)管理體系,實(shí)施地方政府融資平臺風(fēng)險(xiǎn)限額管理,建立貸款集中風(fēng)險(xiǎn)預(yù)警機(jī)制,實(shí)行以風(fēng)險(xiǎn)集中為基礎(chǔ)的管理組合。
[Abstract]:The local government financing platform company is a kind of special company which is set up by the local government and is specially used to finance from commercial banks. Through empirical analysis, this paper studies how D Branch can meet the needs of healthy, coordinated and sustainable development of local financing platform companies on the basis of effective management of loan risk of local government financing platform. And to D branch government background project loan risk control proposed the improvement proposal. With the gradual and in-depth implementation of the national plan to stimulate domestic demand and stimulate economic development, local governments in our country are facing new opportunities and challenges. Hundreds of millions and billions of projects have been launched one after another. However, the limited financial development funds obtained through the traditional way are far from meeting the needs of current local government investment projects. At the same time, according to the relevant national laws and regulations, local government-related state power and institutional institutions can not directly access funds from the financial market. Therefore, local government financing platform companies are born. On the basis of reading a large number of related documents at home and abroad, this paper introduces the basic situation, management characteristics, credit asset structure of ICBC and its D branch, and selects D branch power facilities. Through the comparative analysis of the basic conditions, financial situation, financing project situation, project profitability, loan repayment ability of three typical local government financing platform enterprises of basic rail transit and urban construction of development zone, The convergent characteristics of all kinds of government financing platform customers are summarized, including "single loan guarantee mode and medium and long-term loan", "Project loan has strong government will", "Fiscal bottom" repayment method will finance and bank risk bundled and so on. On this basis, this paper analyzes and summarizes the risk and risk forming factors faced by D branch government financing platform project loan, and probes into the concrete measures to control the risk from the internal and external aspects. Outside branch D, establish total quantity control and early warning mechanism of local government investment and financing platform, establish risk sharing and evading mechanism between local government and commercial bank, establish repayment guarantee mechanism of local government investment and financing debt; Establish a comprehensive risk management system, implement the local government financing platform risk quota management, establish a loan concentration risk warning mechanism, implement the risk concentration based on the management mix.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F283

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