【摘要】：我國商業(yè)銀行的主要放款方式為信用貸款。伴隨著經(jīng)濟的發(fā)展，信貸業(yè)務(wù)飛速發(fā)展，尤其是08年金融危機以后，各級地方政府融資平臺活躍異常，商業(yè)銀行的信貸投放量迅猛增長，，截至去年年底，銀行貸款占據(jù)了地方債務(wù)總額的近80%，這就給發(fā)放貸款的商業(yè)銀行和相關(guān)政府部門帶來了一定的風(fēng)險。 因此，本文著重對我國目前商業(yè)銀行地方政府融資平臺貸款所面臨的風(fēng)險進行分析評價，首先對地方政府融資平臺貸款的背景、發(fā)展及現(xiàn)狀進行分析。接著，就目前商業(yè)銀行與地方政府融資平臺的合作模式進行闡述。然后，從國家層面、地方政府層面、商業(yè)銀行自身層面三個維度來分析商業(yè)銀行面臨的風(fēng)險因素。隨后，引入了模糊綜合評價法建立了商業(yè)銀行的融資平臺貸款風(fēng)險分析模型，并通過分析某地級市的某股份制銀行的地方政府融資平臺貸款現(xiàn)狀進行了實證研究。最后，結(jié)合地方政府融資平臺貸款未來的發(fā)展趨勢，從商業(yè)銀行的角度提出了政策建議來規(guī)避、減少地方政府融資平臺貸款風(fēng)險的影響。 本研究旨在針對當前我國商業(yè)銀行對政府類投融資平臺發(fā)放貸款中存在的問題，綜合考量商業(yè)銀行自身的授信標準以及風(fēng)險管理要求，建立風(fēng)險評價體系，對融資平臺貸款的風(fēng)險進行綜合評價并提出政策建議，希望能引起相關(guān)各方的注意，共同為銀行的經(jīng)營管理提供一個理想的內(nèi)外部環(huán)境。
[Abstract]:The main way of lending to commercial banks in China is credit loan. With the development of economy and the rapid development of credit business, especially after the financial crisis of 2008, the financing platforms of local governments at all levels are very active, and the amount of credit invested by commercial banks has increased rapidly. By the end of last year, Bank loans account for nearly 80% of the total local debt, which brings certain risks to commercial banks and related government departments. Therefore, this paper focuses on the analysis and evaluation of the risks faced by local government financing platform loans of commercial banks. Firstly, the background, development and current situation of local government financing platform loans are analyzed. Then, the cooperation mode between commercial banks and local government financing platform is expounded. Then, from the national level, the local government level, the commercial bank level three dimensions to analyze the commercial bank to face the risk factor. Then, the fuzzy comprehensive evaluation method is introduced to establish the risk analysis model of commercial banks' financing platform, and an empirical study is made by analyzing the current situation of the local government financing platform loan of a joint-stock bank in a prefectural city. Finally, combined with the future development trend of local government financing platform loan, the paper puts forward some policy suggestions from the perspective of commercial banks to reduce the impact of local government financing platform loan risk. The purpose of this study is to establish a risk evaluation system by considering the credit standards and risk management requirements of commercial banks in view of the problems existing in the granting of loans by commercial banks to government investment and financing platforms. It is hoped that the comprehensive evaluation of the risk of financing platform loan and the policy suggestions can attract the attention of all parties concerned and together provide an ideal internal and external environment for the operation and management of banks.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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