在经历了三十年改革开放的快速发展之后,我国的工业化进程又开始了承接 国际机械装备产业转移的新阶段/十一五0期间,我国把振兴装备制造业提升 到了树立和落实科学发展观!走新型工业化道路!实现国民经济可持续发展的战 略举措的全新高度甘肃省!兰州市政府也从省情市情出发,制定了扶植特色产 业!振兴装备制造业的发展规划中共兰州市委!兰州市人民政府5关于进一步 加快工业发展的决定6强调/鼓励工业企业-出城入园.,使城区工业企业有计 划地逐步向工业园区集中0同时决定/园区及进入园区发展的企业享受国家! 省!市出台的各种优惠政策;企业整体搬迁进入工业园区享受市上重点工业项目 的各项政策,优先安排用地城区企业搬迁到规定的工业园区!产业集聚区!农 村郊区,原土地经批准可以改变为经营性用地,由市政府统一实施公开出让,土 地出让金按5兰州市关于鼓励企业出城入园进行搬迁改造暂行办法6的有关规定 返还,用于企业新址项目建设和支持企业发展0鼓励工业企业/出城入园0,使 城区工业企业有计划地逐步向工业园区集中,提升装备制造企业的制造水平!竞 争能力和发展实力,打造一个兰州装备制造的新亮点兰州联合重工在这种大的 政策背景下结合自身的现状于2008年1月11日,公司董事会研究决定/实施出 城入园!整体搬迁改造0,在资金筹措过程中计划向兰州银行申请项目贷款 在兰州/出城入园0政策下n家企业已整体搬迁改造出城入园,15家企业 的搬迁改造正在实施,10户企业的出城入园工作已开始启动,正在进行项目选 址,在政策引导下出城入园正在如火如茶的进行着,然而我们在看到宏观方面的 发展前景的同时对微观利益的关注有所欠缺到底在这样的政策下能否最终实现 政府!企业!银行三方都有利的结果,值得我们去深思和探讨政府政策的引导 为兰州联合重工搬迁项目提供了机遇,同时也为兰州银行带来了挑战,商业银行 在自身的发展过程中除了国家政策帮助外最关键的是自身利益增长空间,所以作 为商业性银行要在政策的引导下客观去分析和关注贷款项目的风险性和自身利 益的空间 该篇报告以银行贷款的视角去分析了兰州联合重工/出城入园0项目贷款的 可行性本文分为六个部分,第一部分前言介绍了选题的背景与意义,研究的内 容和思路;第二部分介绍联合重工出城入园贷款项目借贷双方的情况以及出城入 园政策;第三部分深入浅出的从行业发展!主导产品优势!产品市场预测三个方 面对联合重工公司出城入园后的前景进行了市场分析;第四部分通过财务!社会! 环境三方面评估对此项目进行了综合评价;第五部分重点从银行角度对兰州联合EMBA学位报告作者:弓永平出城入园政策下联重公司搬迁项目贷款可行性研究 重工公司出城入园贷款进行了风险分析,发现银行贷款的风险点和提出相应的风 险防范措施;第六部分得出课题研究的结论,找出银行贷款目前存在的问题及建 议 本文在银行一般项目评估的基础上,加入更多的风险理论分析,该可行性报 告对于笔者及笔者所处的银行都具有非常重要的现实意义,一方面为银行贷款决 策提供了参考,另一方面为兰州市/出城入园0政策的有效实施提供了一定的参 考价值,为今后同行业企业项目评估奠定了基础 关键词:出城入园,项目贷款,可行性研究,市场分析,风险分析EMBA学位报告作者:弓永平出城入园政策下联重公司搬迁项目贷款可行性研究 ABSTRACT AfterthirtyyearsofreformandoPeninguPandtheraPiddeveloPmentofoureountry industrializationProeess,afterbegantoundertakeintemationalmaehineryequiPmentindustry shiftofthenewstage.The0eleventhfive一yearPlanPeriodinChina,thedeveloPmentofthe equiPmentmanufaeturing andtakeanew industryPromotedsetuP roadtoindustrlallzation, andearryout concePt, national andrealizethe theseientifiedeveloPment sustainabledeveloPmentof eeonomyofthenewstrategicmeasuresheight.GansuProvineeandlanzhoueity governmentsalsobasedoncities,fromsetuPsPeeialindustry,thedeveloPmentofthe equiPmentmanufaeturingindustrydeveloPmentPlanning.ThemunieiPalPartyeommitteeandthe PeoPle,5governmentofLanzhoueity0onfurtheraeeeleratetheindustrialdeveloPmentofthe deeisionemPhasize0eneourageindustrialenterprises,outoftheeityintothePark,0thedowntown areaindustrialenterprisesinaPlannedwaygraduallytoindustrialParkeoneentration.0And deeided0ParkandenterintothezonedeveloPmententerpriseenjoyingnational,Provineial,eityon theintroductionofthevariouskindsofPreferentialPolieies:enterPrisewholemovesintothe industrialParkonkeyindustrialProjects,enjoythePolieiesoflandforthePriorityofthe arrangementfortheeity.TheProvisionsoftheenterprisemovingtoindustrialPark,industry gatheringarea,ruralsuburbs,theoriginallandaPProvedforbusinessIandcanbeehangedbythe eitygovernment,unifiedPublielandleasingtheimPlementation,aceordingtothelanzhoueity011 theencouragementoutoftheeityintotheParkforenterPrisemovingProvisionalreeonstruetion relevantProvisionsinthemeasuresoftheretumaddress,usedinenterPriseProjeeteonstruetion andsuPPortthedeveloPmentoftheenterprise#Eneourageindustrialenterprise0outoftheeity intothePark,makecityindustriale一lterPriseinaPlannedwaygraduallytoindustrialPark, imProveconcentrationequiPmentmanufacturingProduetionlevel,theeomPetitionabilityand develoP一nentstrength,makeaIanzhouequiPmentmanufaeturingthenewlumineseentsPot. LanzhoujointundersuchheavyindustryPolieybaekgroundeombinedwiththestatusquoofthe inJanuary11,2008,theboardofdireetorsoftheeomPanydeeidedto0outoftheeityintothePark, i一nPlemelltwholeremovesthetransformation,intheProcessofeapitalraisingPlantoaPPlyfor IoanbankProjeetoflanzhou. InLanzhouunderthe0outoftheeityintotheParkPoliey,11eomPaniesalreadywhole movesoutoftheeityintothePark,15ofeomPaniesoftransfonnation15movingtoimPlelnent, 10ofeomPalliesofworkoutoftheeityintotheParkhasstartedtheProjeet,areoPtionalloeation, underthePolieygt一idaneeoutoftheeityintotl飞ePark15beingearriedoutin,butthenweseein 111EMBA学位报告作者:弓永平出城入园政策下联重公司搬迁项目贷款可行性研究 themaeroseoPieasPeetdeveloP一nentProsPeetandtheinterestsoftheattentionofmiero15in. ExaetlyinsuchPolieieswilleventuallyrealizethegovernment,enterPrises,bankthreePartiesare favorableresults,15worthustoPonderanddiseuss.GovemmentPolieyguidaneeforlanzhoujoint heavyindustrymovingProjectProvideoPPortunities,butalsoforthenewehallenges,lanzhou bankeommereialBanksintheirdeveloPmentProcessinadditiontonationalPolieytohelPthe mostkeyoftheirowninterestsasaeommereialsPace,50growtllinthePolieybankunderthe direetionoftheobjeetivetoanalyseandfoeusonloanProgramsoftheirowninterests,andtherisk ofsPaee. Theartiele15tobankloanPersPeetivetotheanalysistheLanZhoujointheaVyindustry0out oftheeityintotheParkloans,thefeasibilityoftheProjeet.Thisartiele15dividedintosixParts, seetion1introdueesthebaekgroundofthePrefacetothesubjeetandthesignifieanee,researeh eontentandwayofthinking;Theseeondseetiondeseribesthejointheavyindustryoutoftheeity intotheParkloanProjectlendingbetweenthetwosidesofthesituationandoutoftheeityintothe ParkPolicy;ThethirdPartofthedeveloPmentoftheindustry,doetorfromleadingProduet advantage,Productmarketforecasts,threeasPeetsofjointheavyindustryoutoftheeityintothe comPanyProsPectforthemarketanalysis;ThefourthPartthroughthefinaneial,soeietyand environment,threeasPeetsabouttheeomPrehensiveassessmentProjeetevaluation;Thefifth PartfoeusfrornbankofLanzhouAnglejointheavyindustryeomPanyoutoftheeityintothePark Ioansfortheriskanalysis,foundthebankloanriskPointandPutforwardtheeorresPonding measurestoPreventrisks;Part6researeheonelusionthatbankloans,andfindouttheexisting ProblemsandSuggestions. ThispaPerinthebankgenerallyprojeetevaluation,andonthebasisoftheoretiealanalysis addmorerisk,thefeasibilityrePortforthewriterandtheauthorinthebankhasveryimPortant Praetiealsignificaneeforbankloans,ontheonehand,andProvidestherefereneeforthe deeision一making,ontheotherhandinLanzhou0outoftheeityintotheParkPolieythatwill Provideeertainreferencevalueforthefuture,industryenterpriseProjeetevaluationIaida foundation. Keywords:OutoftheeityintothePark:Projeetloans:Feasibilitystudy;Marketanalysis: Riskanalysis. IVEMBA学位报告作者:弓永!F出城入园政策下联重公司搬迁项目贷款可行性研究 目录 目g舀....... (一)研究背景与意义 (二)研究内容和思路 .-..........................................................................1 .,............................................................................2 二!联重公司出城入园贷款项目概况...................4 (一)项目简介..............................................................................................4 (二)借贷双方概况.......,........................................................................6 (三)贷款项目背景介绍..............................................................................9 三!联重公司出城入园后的市场分析..................11 (一)行业发展分析..............................,...............................................11 (二)主导产品优势....................................................................................12 (三)产品市场预测....................................................................................13 四!联重公司出城入园的综合评价....................21 (一)财务评价.....................,.,...........,.........,二,..,21 (二)社会评价..........................................................................,...........34 (三)环境影响评价,...................................................................................35 五!联重公司出城入园贷款的风险分析................38 (一)项目贷款风险因素界定与识别........................................................38 (二)风险程度分析....................................................................................43 (三)银行风险应对措施.................................,....................................51 六!研究结论及对策建议............................53 (一)研究结论.......................................53 (二)存在的问题及建议...................................53