【作者】 王大伟；

【导师】 丁志国； 赵勇；

【作者基本信息】 吉林大学 ， 工业工程， 2013， 硕士

【摘要】 项目贷款具有金额大、期限长、涉及领域广和结构复杂等特点。当前在中国，项目贷款刚刚起步，伴随着我国经济的高速增长，涉及生产装置、基础设施等大型工程项目呈现出井喷式发展的局面，由于当前国内资本市场不够发达，项目融资的主要途径还是以从商业银行的间接融资即申请银行贷款为主。一方面各商业银行基于做大资产业务、拓展负债业务的来源、实现中间业务增收等考虑对项目贷款表现出越来越浓厚的兴趣，另一方面对项目贷款的风险又缺乏一套行之有效的管理方法，由于项目贷款的风险管理落后，项目贷款业已暴露的或潜在的风险已对商业银行的正常生产经营造成了极大的冲击，如何有效管理项目贷款的风险，实现项目贷款快速发展和风险有效控制的有机结合成为摆在商业银行面前一个亟待解决的问题。本文站在商业银行的角度对项目贷款的风险进行了全面分析，提出了一套完整的商业银行项目贷款风险管理措施，有助于提升商业银行识别、评估和规避项目贷款风险的能力，对夯实我国商业银行的经营基础，提高盈利能力有很强的借鉴作用。本文选取了PH城区供热站项目的具体案例，首先对PH城区供热站项目及项目贷款情况进行简单的介绍，PH城区供热站项目作为一项基础设施建设由PH市城区热力有限公司发起，基于解决新城区供热能力不足而建设，项目总投入5000万，其中企业自筹2000万、剩余3000万申请银行贷款，利率为基准利率，贷款期限10年，宽限期2年，宽限期后按季等额本金还款，项目建成后有利于缓解城市规模扩张和供热能力不足之间的矛盾。其次对PH城区供热站项目贷款风险管理进行了全面分析，主要针对项目中涉及的信用风险、完工风险、市场风险、生产风险、金融风险、环境风险等进行了分析，并逐一提出了有针对性的具体风险防控措施，对信用风险的防控主要是通过对构成信用支撑体系各参与方进行充分的调查和研究；对完工风险的防控主要是对项目各参与方进行各种限制；对市场风险的防控主要是针对不同阶段特点采取诸如追加保证人等措施等；对生产风险的防控主要选择技术成熟的项目和管理到位的发起人等；对金融风险的防控主要是将传统金融工具与创新的金融工作相结合；对环境保护风险的防控主要是要求发起人承担环保风险。最后站在商业银行的角度提出了信用结构多样化、关注政策、适时控制贷款资金的投放进度、封闭管理贷款资金、实施积极的贷款预警制度和加强贷后管理、制定有效的绩效考核奖惩机制和风险评价体系等涉及项目贷款贷前、贷中和贷后覆盖银行项目贷款全流程的风险防范措施。更多还原

【Abstract】 Project loan is the amount of large, long duration, involving complex field andstructure. Currently in China, the project loan has just started, with China’s rapideconomic growth, relates to production equipment, infrastructure and other largeprojects showing a blowout type development of the situation, because the currentdomestic capital markets are underdeveloped, project financing is mainly in the formof indirect financing from banks or applying for a bank loan. On one hand, allcommercial banks for asset business, liability business, expand the source of theimplementation of intermediate business income considerations on project loans showmore and more interest on, on the other hand, the project loan risk lack an effectivemanagement method, because of the risk management project loan is backward, theproject loan has been exposed or potential risk of commercial bank’s normal businesscaused great impact, how to manage the project loan risk effectively, realize theorganic combination of effective control of rapid development of project loans riskhas become an urgent problem to be solved in the commercial bank. Standing on thepoint view of commercial bank loan risk has carried on the comprehensive analysis,put forward a complete set of commercial bank loan risk management measures, helpto promote commercial banks to identify, evaluate and avoid the project loan risk, tolay a solid foundation for China’s commercial banks, improve profitability is verystrong reference.This paper selects the specific case of PH district heating station project, firstmake a brief introduction of the PH district heating station project and project loans,PH district heating station project as an infrastructure construction initiated by the PHDistrict heat limited, while the construction of solutions based on new urban heating capacity is insufficient, the project total investment of fifty million, of which theenterprises twenty million, the remaining thirty million to apply for bank loans, theinterest rate as the benchmark interest rate, loan period of10years, after a period of2years grace quarterly matching repayment of principal, after the completion of theproject will help ease the contradiction between city scale expansion and heatcapacity. Secondly analyzes the peace district heating station project loan riskmanagement, mainly for project credit risk, completion risk, market risk involved,production risk, financial risk, environment risk are analyzed, and then puts forwardsome specific risk prevention and control measures, prevention and control of creditrisk is mainly through to the constitute a credit support system participants were fullyinvestigated and researched; prevention and control completion risk is mainly avariety of restrictions on the parties involved in the project; prevention and control ofthe market risk is mainly aimed at the different stage characteristic measures such asadditional guarantee measures; prevention and control of production risk mainlyselect projects mature technology and management in place of the initiators,prevention and control of financial risk is mainly combines traditional financial toolsand innovative financial work; prevention and control of environmental risk is themain sponsor undertake environmental risk requirements. Finally standing on theperspective of the commercial bank credit structure diversification, pay attention tothe policy, timely control of loan funds delivery schedule, closed-end management ofloan funds, the implementation of active loan early warning system and strengthenpost-loan management, increase of project loans restrictive clauses control of loans,loans and credits to cover the risk management measures for bank loans the wholeprocess.更多还原