【摘要】：我國(guó)商業(yè)銀行的主要放款方式為信用貸款。伴隨著經(jīng)濟(jì)的發(fā)展，信貸業(yè)務(wù)飛速發(fā)展，尤其是08年金融危機(jī)以后，各級(jí)地方政府融資平臺(tái)活躍異常，商業(yè)銀行的信貸投放量迅猛增長(zhǎng)，，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(mén)帶來(lái)了一定的風(fēng)險(xiǎn)。 因此，本文著重對(duì)我國(guó)目前商業(yè)銀行地方政府融資平臺(tái)貸款所面臨的風(fēng)險(xiǎn)進(jìn)行分析評(píng)價(jià)，首先對(duì)地方政府融資平臺(tái)貸款的背景、發(fā)展及現(xiàn)狀進(jìn)行分析。接著，就目前商業(yè)銀行與地方政府融資平臺(tái)的合作模式進(jìn)行闡述。然后，從國(guó)家層面、地方政府層面、商業(yè)銀行自身層面三個(gè)維度來(lái)分析商業(yè)銀行面臨的風(fēng)險(xiǎn)因素。隨后，引入了模糊綜合評(píng)價(jià)法建立了商業(yè)銀行的融資平臺(tái)貸款風(fēng)險(xiǎn)分析模型，并通過(guò)分析某地級(jí)市的某股份制銀行的地方政府融資平臺(tái)貸款現(xiàn)狀進(jìn)行了實(shí)證研究。最后，結(jié)合地方政府融資平臺(tái)貸款未來(lái)的發(fā)展趨勢(shì)，從商業(yè)銀行的角度提出了政策建議來(lái)規(guī)避、減少地方政府融資平臺(tái)貸款風(fēng)險(xiǎn)的影響。 本研究旨在針對(duì)當(dāng)前我國(guó)商業(yè)銀行對(duì)政府類(lèi)投融資平臺(tái)發(fā)放貸款中存在的問(wèn)題，綜合考量商業(yè)銀行自身的授信標(biāo)準(zhǔn)以及風(fēng)險(xiǎn)管理要求，建立風(fēng)險(xiǎn)評(píng)價(jià)體系，對(duì)融資平臺(tái)貸款的風(fēng)險(xiǎn)進(jìn)行綜合評(píng)價(jià)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(yíng)管理提供一個(gè)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(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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