本文選題：固定資產(chǎn)貸款　切入點(diǎn)：項(xiàng)目評(píng)估　出處：《山東大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：銀行是經(jīng)營風(fēng)險(xiǎn)的企業(yè),貸款風(fēng)險(xiǎn)管理是銀行業(yè)務(wù)發(fā)展的重中之重,其體現(xiàn)了銀行平衡風(fēng)險(xiǎn)和收益的水平。而固定資產(chǎn)貸款,作為國內(nèi)銀行業(yè)金融機(jī)構(gòu)最重要的信貸品種,對(duì)風(fēng)險(xiǎn)管理方向的引導(dǎo)尤為重要。隨著金融領(lǐng)域的競(jìng)爭(zhēng)日益加劇,外部經(jīng)濟(jì)環(huán)境愈發(fā)復(fù)雜,銀行開展固定資產(chǎn)貸款業(yè)務(wù)也面臨著一定的難度。盡管銀行風(fēng)險(xiǎn)管理水平不斷提升,但近年來快速的固定資產(chǎn)投資仍然對(duì)銀行的項(xiàng)目評(píng)估工作提出了挑戰(zhàn)。在固定資產(chǎn)項(xiàng)目投資過程中,需要強(qiáng)化或改進(jìn)相應(yīng)流程,才能將項(xiàng)目評(píng)估做細(xì)做快。商業(yè)銀行,尤其是大型商業(yè)銀行作為我國市場(chǎng)經(jīng)濟(jì)發(fā)展中最重要的參與主體,在支持基本設(shè)施項(xiàng)目建設(shè)等一系列經(jīng)濟(jì)改革與發(fā)展中起到了至關(guān)重要的作用。作為與信貸政策相匹配的項(xiàng)目評(píng)估業(yè)務(wù),固定資產(chǎn)貸款項(xiàng)目風(fēng)險(xiǎn)評(píng)估已經(jīng)成為了重要的決策工具和各類商業(yè)銀行的主要支持業(yè)務(wù)之一。然而,商業(yè)銀行固定資產(chǎn)貸款具有金額大、周期長(zhǎng)、項(xiàng)目復(fù)雜等特點(diǎn),該業(yè)務(wù)的發(fā)展好壞直接影響銀行盈利及貸款風(fēng)險(xiǎn)的控制效果,而固定資產(chǎn)貸款業(yè)務(wù)評(píng)價(jià)過程較為復(fù)雜,同時(shí)也是各商業(yè)銀行長(zhǎng)期以來不斷探索研究的領(lǐng)域。本文通過理論和實(shí)證相結(jié)合的方法,從對(duì)固定資產(chǎn)貸款項(xiàng)目評(píng)估的內(nèi)容和流程著手,采用一套較為全面的中長(zhǎng)期貸款項(xiàng)目評(píng)估方法對(duì)銀行業(yè)固定資產(chǎn)貸款項(xiàng)目評(píng)估的風(fēng)險(xiǎn)管理進(jìn)行分析,并以太平洋光纜公司年產(chǎn)720萬芯公里光纖拉絲項(xiàng)目實(shí)例進(jìn)行分析。首先找出項(xiàng)目評(píng)估中出現(xiàn)的問題并提出解決問題的思路,通過積極探索優(yōu)化風(fēng)險(xiǎn)管理手段,達(dá)到提高風(fēng)險(xiǎn)管理效率的目標(biāo)。最終的目的為銀行業(yè)固定資產(chǎn)貸款項(xiàng)目風(fēng)險(xiǎn)管理提供有價(jià)值的參考和幫助,在有效的風(fēng)險(xiǎn)管理前提下推進(jìn)項(xiàng)目評(píng)估工作。本文的主要內(nèi)容分為以下幾個(gè)部分：第一部分是引言,主要介紹了論文的研究背景和意義、國內(nèi)外研究現(xiàn)狀及本文的創(chuàng)新和不足；第二部分是固定資產(chǎn)貸款項(xiàng)目評(píng)估的理論概述,包括固定資產(chǎn)貸款項(xiàng)目評(píng)估的相關(guān)概念和主要內(nèi)容、評(píng)估方法及評(píng)估流程：第三部分是固定貸款項(xiàng)目評(píng)估風(fēng)險(xiǎn)點(diǎn)分析和風(fēng)險(xiǎn)控制辦法,主要介紹了貸款項(xiàng)目風(fēng)險(xiǎn)評(píng)估涉及要點(diǎn),列出了一些重要的風(fēng)險(xiǎn)控制措施。第四部分是關(guān)于固定資產(chǎn)貸款項(xiàng)目評(píng)估的案例分析,該部分以太平洋光纜公司年產(chǎn)720萬公里的光纖項(xiàng)目為例,在借款人融資情況和還款能力分析以及項(xiàng)目產(chǎn)品與市場(chǎng)分析的基礎(chǔ)上著重分析該項(xiàng)目的投建風(fēng)險(xiǎn)、不確定性風(fēng)險(xiǎn)、財(cái)務(wù)效益與風(fēng)險(xiǎn)以及評(píng)估銀行開展該固定資產(chǎn)貸款項(xiàng)目的效益與風(fēng)險(xiǎn),從而研究該項(xiàng)目的可行性以及與本行業(yè)其他廠商相比的競(jìng)爭(zhēng)優(yōu)勢(shì)和劣勢(shì)。第五部分對(duì)項(xiàng)目評(píng)估中風(fēng)險(xiǎn)管理進(jìn)行系統(tǒng)分析和總結(jié),結(jié)合太平洋光纜固定資產(chǎn)貸款項(xiàng)目,總結(jié)出銀行應(yīng)密切關(guān)注的關(guān)鍵風(fēng)險(xiǎn)點(diǎn)及防范措施。
[Abstract]:The bank is the enterprise that manages the risk, the loan risk management is the most important in the development of the bank business, it has reflected the bank balance the risk and the income level, and the fixed assets loan, as the most important credit variety of the domestic banking financial institution, It is particularly important to guide the direction of risk management. As the competition in the financial field intensifies day by day and the external economic environment becomes more and more complex, banks are also faced with some difficulties in carrying out fixed assets loan business. However, in recent years, the rapid fixed asset investment still challenges the project evaluation work of the bank. In the process of investment in fixed assets project, it is necessary to strengthen or improve the corresponding process in order to make the project evaluation more detailed and faster. In particular, large commercial banks are the most important participants in the development of our market economy. Has played a crucial role in supporting a range of economic reforms and development, including infrastructure projects. The risk assessment of fixed assets loan project has become one of the important decision-making tools and one of the main supporting business of all kinds of commercial banks. However, the fixed assets loans of commercial banks have the characteristics of large amount of money, long period, complex projects and so on. The development of this business directly affects the control effect of bank profit and loan risk, while the evaluation process of fixed asset loan business is more complicated. At the same time, it is also a long time for commercial banks to explore the field of research. Through the combination of theory and empirical methods, this paper begins with the content and process of fixed assets loan project evaluation. Using a set of comprehensive medium and long-term loan project evaluation methods to analyze the risk management of fixed assets loan project evaluation in banking industry. An example of Pacific Fiber Cable's annual production of 7.2 million core km fiber drawing project is analyzed. First of all, the problems in project evaluation are found out and the ideas to solve the problems are put forward. Through actively exploring and optimizing the risk management means, To achieve the goal of improving the efficiency of risk management. The ultimate purpose of the bank fixed asset loan project risk management to provide valuable reference and help, The main content of this paper is divided into the following parts: the first part is the introduction, mainly introduces the research background and significance of the thesis, the domestic and foreign research present situation and the innovation and the insufficiency of this paper; The second part is the theory overview of fixed assets loan project evaluation, including the related concepts and main contents of fixed asset loan project evaluation. The third part is the risk point analysis and risk control method of fixed loan project evaluation, which mainly introduces the key points involved in the risk assessment of loan project. Some important risk control measures are listed. The fourth part is a case study of fixed asset loan project evaluation. This part takes the Pacific Fiber Cable's fiber optic project with annual production capacity of 7.2 million kilometers as an example. Based on the analysis of the borrower's financing situation and repayment ability, as well as the analysis of the project's product and market, the paper emphatically analyzes the project's investment and construction risk, the uncertainty risk, Financial benefits and risks, as well as the evaluation of the benefits and risks of the bank in carrying out the fixed asset loan project, In order to study the feasibility of the project and the competitive advantages and disadvantages compared with other manufacturers in the industry. The fifth part systematically analyzes and summarizes the risk management in the project evaluation, combined with the Pacific Cable fixed assets loan project, Summarize the key risk points and preventive measures that banks should pay close attention to.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F283;F832.4

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