本文選題：項(xiàng)目評(píng)估 + 貸款項(xiàng)目��； 參考：《吉林大學(xué)》2013年碩士論文

【摘要】：貸款項(xiàng)目評(píng)估是金融機(jī)構(gòu)規(guī)避貸款風(fēng)險(xiǎn)，優(yōu)選信貸項(xiàng)目的必要工作，是信貸放款的先決條件和重要步驟。雖然貸款項(xiàng)目評(píng)估理論和方法體系經(jīng)過(guò)長(zhǎng)期以來(lái)的改進(jìn)和完善，日趨成熟，但是，隨著我國(guó)經(jīng)濟(jì)社會(huì)的飛速發(fā)展，金融機(jī)構(gòu)所面臨的項(xiàng)目性質(zhì)、類型也千變?nèi)f化，評(píng)估中所要考慮的因素也千差萬(wàn)別。另外，不同的金融機(jī)構(gòu)對(duì)貸款項(xiàng)目的具體評(píng)估方法、體系也是存大同而有小異的。需要特別指出的是，近年來(lái)我國(guó)金融機(jī)構(gòu)雨后春筍般地涌現(xiàn)，小額貸款公司、村鎮(zhèn)銀行等新型金融機(jī)構(gòu)不斷出現(xiàn)，新金融機(jī)構(gòu)、新從業(yè)人員對(duì)貸款項(xiàng)目評(píng)估方法掌握和操作能力參差不齊，尤其對(duì)新興行業(yè)、特殊行業(yè)，更是缺乏必要的了解，直接的結(jié)果是貸款項(xiàng)目評(píng)估的深度和廣度不夠，，造成信貸風(fēng)險(xiǎn)加劇。因此，對(duì)每個(gè)行業(yè)建立科學(xué)的項(xiàng)目評(píng)估典型案例，確立科學(xué)的評(píng)估方法和步驟，對(duì)金融機(jī)構(gòu)而言，尤為重要。 本文站在金融機(jī)構(gòu)的角度，在對(duì)貸款項(xiàng)目評(píng)估的理論、方法作必要的概述的基礎(chǔ)上，在風(fēng)電發(fā)電行業(yè)中選取一個(gè)典型項(xiàng)目——AL風(fēng)電項(xiàng)目，從建設(shè)單位的主體資格、承貸資格以及項(xiàng)目的合規(guī)情況、市場(chǎng)情況、效益情況、風(fēng)險(xiǎn)控制情況等方面進(jìn)行了全面系統(tǒng)的分析和論證，并得出了客觀和全面的評(píng)估結(jié)論，為金融機(jī)構(gòu)發(fā)放貸款提供基本依據(jù)，同時(shí)也為廣大的金融機(jī)構(gòu)從業(yè)人員在風(fēng)電貸款項(xiàng)目評(píng)估中提供一些借鑒和啟示。
[Abstract]:Loan project evaluation is a necessary work for financial institutions to avoid loan risk and to select credit projects. It is also a prerequisite and an important step for credit lending. Although the theory and method system of loan project evaluation has been improved and perfected for a long time, but with the rapid development of our country's economy and society, the nature and type of the projects faced by financial institutions are also changing. The factors to be considered in the assessment vary widely. In addition, different financial institutions to the specific evaluation of loan projects, the system is similar and small differences. In particular, in recent years, China's financial institutions have sprung up, new financial institutions, such as microfinance companies, village and town banks, and new financial institutions are constantly emerging. New employees' ability to master and operate loan project evaluation methods is not uniform, especially for emerging industries and special industries. The direct result is that the depth and breadth of loan project evaluation are not enough. Increase credit risk. Therefore, it is very important for financial institutions to establish a typical case of scientific project evaluation for each industry, and to establish scientific evaluation methods and steps. Methods on the basis of the necessary summary, a typical project, AL wind power project, is selected in wind power generation industry, from the main qualification of the construction unit, the credit qualification, the compliance of the project, the market situation, the benefit situation. The comprehensive and systematic analysis and argumentation of the risk control are carried out, and the objective and comprehensive evaluation conclusions are obtained, which provide the basic basis for the financial institutions to grant loans. At the same time, it also provides some reference and inspiration for the employees of financial institutions in the evaluation of wind power loan projects.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.41;F426.61

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