XX银行xx分行地方政府融资平台贷款风险分析与管理研究-工商管理专业论文.docxVIP

I I II II 摘 要 随着国家拉动内需刺激经济计划的深入实施，我国地方政府发展经济面临着 新的机遇与挑战，通过传统方式所得到的有限财政资金远远不能满足当前中央投 资项目配套需要，因此地方政府融资平台运用而生。近年来，各地的融资平台在 运作过程中出现了不少的问题，而提供贷款的商业银行风险也越来越大，政府融 资平台公司贷款成为近期社会关注的热点之一。 在这种背景下，如何促进地方政府融资平台健康、持续和协调发展的需要， 如何对商业银行的地方政府融资平台贷款进行全面风险管理已经变得十分紧迫和 重要。对此，本文开展了如下四个方面的研究：第一，首先介绍地方政府融资平 台的概念以及现状，分析了融资平台贷款超常规增长的背景及其原因；第二，从 政府投资动机、政府信用和债务危机等方面的分析了地方政府融资平台贷款超常 规增长的宏观风险以及从依托政府的个体风险能力、贷款监管、法人治理等方面 分析了融资平台贷款超常规增长可能引发的微观风险；第三，以中国 XX 银行 xx 分行为例，分析了其在近几年经营过程中对于成都市政府融资平台贷款贷款风险 控制的具体措施；第四，对商业银行地方政府融资平台贷款的全面风险管理提出 了建议和对策。 本文针对实际的地方政府融资平台贷款运作，分析了超常规发展的成因及其 风险，对其授信模式进行了分析，再此基础上探讨了地方政府融资平台贷款的全 面风险管理问题。本文的研究，有助于商业银行加强对地方政府融资平台贷款的 风险的防范和管理，促进我国地方政府融资平台贷款的健康发展。 关键词： 地方政府融资平台；授信模式；全面风险管理 ABSTRACT As the state plans to development the economy by stimulating domestic demand, the local governments’ economic development faces new opportunities and challenges, the limited financial resources obtained by traditional methods far can not meet the current investment supporting. So the Local Government Financing platform is bringed in. However, the financing platform occurred many of the problems during the operationin one more years, the risk of providing loans of commercial banks is also growing, the loans from government financing platform for the company becomes the focuse during two sessions. In this context, how to promote local government financing platform for sustained, rapid, healthy and coordinated development, how to management risk local government financing for commercial banks lending has become very urgent and important problerm. The article is divided into five parts, the first introduced the concept of local government financing platform and actuality of loans financing platform for the background of extraordinary growth; the detailed analysis of local government finance loans extraordinary growth platform for the macro risks was maked in the second part; the third part analysed that the financing loans may lead to extraordinary growth of micro-risks; then the fourth part take the