首页 > 资料专栏 > 论文 > 经营论文 > 风险管理论文 > 政策性银行项目融资风险管理分析-以农发行A省分行营业部为例_硕士论文

政策性银行项目融资风险管理分析-以农发行A省分行营业部为例_硕士论文

资料大小:1697KB(压缩后)
文档格式:DOC
资料语言:中文版/英文版/日文版
解压密码:m448
更新时间:2021/4/14(发布于广东)

类型:金牌资料
积分:--
推荐:升级会员

   点此下载 ==>> 点击下载文档


文本描述
I 摘要 政策性银行是一个国家金融体系中重要的组成部分,不同于商业银行,其开 展业务并不以追求利润为目的,而是专门通过直接或者间接地开展政策性融资业 务,贯彻落实国家政府的社会经济政策及意图,在政府推动经济发展、促进社会 进步以及进行经济宏观调控的过程中充当管理工具的角色。中国农业发展银行 (简称“农发行”)是我国唯一的农业政策性银行,自 1994 年成立以来,农发行 一直以促进“三农”发展为职责,随着社会主义新农村建设的全面推进和农村金 融体制改革的不断深化,农发行进入了重要的发展机遇期,逐步形成了以支持国 家粮棉油购销储业务为主体、同时支持农业产业化经营和农业农村基础设施建设 为两翼的业务发展格局。 项目融资相对传统融资来说借款期长、资金需求大、关系复杂、不确定因素 较多,本身就具有较大风险。而农发行主要经营的农业农村基础设施建设项目本 身具有季节周期性、社会公益性、企业实力薄弱等特点,同时还有项目经济效益 不佳,投资回收期长、运营成本高、回报率低等特征,如果单纯依照商业性项目 融资业务来运作,成功难度较大。近年来国家重点支持的棚户区改造、易地扶贫 搬迁等政策性较强的业务领域,农发行抓住机遇、大干快上的同时,其风险也逐 步暴露,不良贷款增加,项目融资风险的复杂性不容忽视。 本文通过梳理项目融资及风险管理的相关理论,结合笔者自身实践经验,重 点以案例分析的方式针对农发行项目融资业务的风险管理来发现问题、分析问题, 并希望能够提出相关对策和建议,对提升农发行项目融资风险管理水平有所助益, 使农发行在新的发展机遇和改革挑战面前能够从容应对,找到真正适合农业政策 性银行的发展之路,在防控风险的前提下,更好的服务于乡村振兴战略。 关键词,项目融资;风险管理;中国农业发展银行ABSTRCT II ABSTRCT Policy banks are an important part of a country's financial system. They are different from commercial banks. They do not pursue profits. Instead, they specialize in carrying out policy financing directly or indirectly, implementing the national government's social and economic policies and intentions, and promoting economic development, social progress and macroeconomic regulation and control by the government. The process acts as a management tool. The Agricultural Development Bank of China is the only agricultural policy bank in China. Since its establishment in 1994, it has been responsible for promoting the development of agriculture, countryside and farmers. With the overall advancement of the new socialist countryside construction and the deepening of the rural financial system reform, it has entered an important development opportunity period and gradually formed a support for the purchase and sale of national grain and cotton. Storage business as the main body, while supporting agricultural industrialization and agricultural and rural infrastructure construction as the business development pattern of the two wings. Compared with traditional financing, project financing has long borrowing period, large demand for funds, complex relations and more uncertainties, and it itself has greater risks. Agricultural and rural infrastructure construction projects mainly run by Agricultural Development Bank of China have the characteristics of seasonal periodicity, social welfare and weak enterprise strength. At the same time, they also have the characteristics of poor economic benefits, long payback period, high operating cost and low return. If they are operated solely according to commercial project financing business, it will be difficult to succeed. In recent years, in the shantytown reconstruction and poverty alleviation and relocation policy-oriented business areas supported by the state, the ADB has seized the opportunity and made great progress. At the same time, its risks are gradually exposed, non-performing loans are increasing, and the complexity of project financing risks can not be ignored.ABSTRCT III This paper combs the relevant theories of project financing and risk management, combines the author's own practical experience, focuses on case analysis of the risk management of the project financing business of the Agricultural Development Bank to find problems and analyze problems, and hopes to be able to put forward relevant countermeasures and suggestions, which will help to improve the level of project financing risk management of the Agricultural Development Bank, and make the Agricultural Development Bank in new development opportunities. In the face of the challenges of reform, we can deal with them calmly and find a way to develop the agricultural policy banks. On the premise of preventing and controlling risks, we can better serve the strategy of rural rejuvenation! Keywords:project financing; risk management; The Agricultural Development Bank of China目录 IV 目 录 摘要..................................................................................................... I ABSTRCT .............................................................................................. II 第一章 引言...........................................................................................1 第一节 研究背景............................................................................................... 1 第二节 研究意义............................................................................................... 2 一、理论意义...........................................................................................................................2 二、现实意义...........................................................................................................................2 第三节 国内外研究综述.................................................................................... 3 一、国外研究综述...................................................................................................................3 二、国内研究综述...................................................................................................................6 第四节 研究框架与研究方法............................................................................ 6 一、研究框架...........................................................................................................................6 二、研究方法...........................................................................................................................7 第二章 基本理论概述............................................................................8 第一节 项目融资的基本理论............................................................................ 8 一、项目融资的含义...............................................................................................................8 二、项目融资与传统融资的主要区别...................................................................................8 三、项目融资的常见模式.......................................................................................................9 第二节 项目融资风险管理的基本理论 .......................................................... 10 一、项目融资风险的定义.....................................................................................................10 二、融资风险产生的原因.....................................................................................................11 第三节 风险管理的基本内容.......................................................................... 12 第四节 农业政策性银行的概念及特点 .......................................................... 13 一、农业政策性银行的概念.................................................................................................13 二、农业政策性银行风险管理的特点.................................................................................13 第三章 农发行项目融资业务风险管理体系.......................................15目录 V 第一节 农发行信贷业务分类.......................................................................... 15 第二节 农发行项目融资业务运作模式 .......................................................... 15 一、政府购买服务.................................................................................................................15 二、政府与社会资本合作.....................................................................................................16 三、公司自营项目.................................................................................................................16 第三节 农发行项目融资风险管理流程 .......................................................... 17 一、评级授信环节.................................................................................................................17 二、押品评估环节.................................................................................................................18 三、用信审批环节.................................................................................................................18 四、放款监督环节.................................................................................................................19 五、贷后管理环节.................................................................................................................20 第四节 农发行关注的项目融资风险 .............................................................. 22 一、农发行项目融资的支持范围.........................................................................................22 二、农发行重点关注项目融资风险点.................................................................................22 第五节 农发行项目融资风险的主要特点....................................................... 25 第六节 农发行项目融资风险管理 SWOT 分析.............................................. 26 第四章 A 省分行营业部项目融资案例分析.......................................28 第一节 农发行 A 省分行营业部概况 ............................................................. 28 一、A 省分行营业部简介.....................................................................................................28 二、A 省分行营业部经营情况.............................................................................................28 三、A 省分行营业部风险管理概况.....................................................................................30 四、A 省分行营业部经营情况分析.....................................................................................30 第二节 A 省分行营业部项目融资业务案例................................................... 31 一、项目概况.........................................................................................................................31 二、农发行项目融资风险评价指标体系.............................................................................32 第三节 A 省分行营业部风险评估方法评价................................................... 34 一、借款人风险评估.............................................................................................................34 二、项目风险评估.................................................................................................................35 三、政府风险评估.................................................................................................................37目录 VI 四、偿债能力风险评估.........................................................................................................39 五、案例风险评估方法的总体评价.....................................................................................40 第四节 项目案例风险控制措施分析 .............................................................. 41 一、建立项目工程进度动态监管机制.................................................................................41 二、建立项目资金监管机制.................................................................................................41 三、担保方案设计.................................................................................................................41 四、风险控制措施分析.........................................................................................................42 第五章 对策及建议 .............................................................................44 一、建立行之有效的风险分担机制.....................................................................................44 二、建立切实可行的风险转移机制.....................................................................................44 三、建立关键风险指标监测和预警机制.............................................................................45 四、向商业银行学习市场化业务的风险管理机制.............................................................45 五、积极探索以市场化方式运作公益性项目的新思路.....................................................46 第六章 结论与展望 .............................................................................47