地方政府融资平台的贷款信用风险分析-工商管理专业论文.docx

Ab Abstract II II LOCAL GOVERNMENT FINANCING PLATFORM CREDIT RISK ANALYSIS ABSTRACT Local government financing platform is an innovative financing mechanisms, which establish by local government to solve the shortage of funds and service the local economic construction. In response to the global financial crisis, China adopted a 4 trillion economic stimulus plan and implemented active fiscal policy and moderately loose monetary policy in 2008, making credit increases rapidly. The local government establish financing platform to give the large-scale financing service. The government financing platform play an important role in the local government financing service. It play an important role in the local economic development and promote municipal construction, especially in alleviating local government financial pressure, coping with the financial crisis. In the recent years, the local government excessive debt, information opaque of platform lead to the potential financial risk and credit risk increases. In this thesis, we began with the analyzes the background and development of the financing platform, then does the pratical study on the potential risk from the financing platform and the risk factor from platform, bank and government aspects. then from the credit risk management theory and risk measurement method of using improved the KMV model , which puts in Jiangxi province local financing platform loan credit risk, the paper makes an empirical analysis of local government with scientific measure risk financing platform. Finally, based on the above analysis, we draw a conclusion that we should take scientific and rational approach to deal with government financing platform to promote local economic and social sustainable development. Key words: financing platform, government guarantee, Credit Risk, KMV model 目 目 录 III III 目录 第一章 绪论 1 选题背景与研究意义 1 选题背景 1 研究意义 2 国内外研究综述 2 国外有关政府负债的研究 2 国内关于地方政府融资平台的研究 4 研究的内容框架及方法 5 研究内容 5 研究方法 6 本文的创新与不足 6 第二章 地方政府融资