I 摘要 随着我国市场经济改革程度的加深，全球经济一体化时代的带来，同行间竞 争加剧，传统银行业务已经不能满足客户日渐增加的需求，为了在竞争越发激励 的市场竞争中，保证自身市场地位、份额，在传统评价模式中寻求变革成为银行 管理层应考虑的问题。2003年成都某开发区正式成立，为了响应政府号召，由中 信银行对其进行投资的项目共30多项，总投资金额达到45亿，为成都大城市规 划添加助益。为了使这些投资效益最大化，对现有的银行投资项目评价进行优化 探究，在财务分析、风险分析等方面有着丰富经验积累。对村（社区）集体投资 项目进行研究，填补理论空白，增加村（社区）集体投资项目中投资的实践经历， 为今后在村（社区）集体投资项目中的经济财务评价以及风险因素的确定分析提 供借鉴，同时促进城市发展。 本文以相关理论为基点，将定性与定量相结合，调查问卷法，综合运用上述 研究方法对银行投资评价方法进行探究，其中研究内容主要围绕下述几点进行： 一，我国银行投资项目管理概况，包括银行投资项目的概念以及发展进程，同时 提出使社区集体投资项目成为银行投资项目管理范围内的建议。对财务分析以及 风险防范相关理论进行介绍；二，对成都某安置房项目的基本情况、招投标及委 托代建合同主要条款以及施工管理等进行介绍说明，同时分析了项目贷款财务评 价与风险评价必要性，三，对成都某安置房项目进行财务评价以及风险评价分析 评价。从财务方面分析了该项目的可行性，并对可能存在的问题提出合理化意见。 利用调查问卷的方式对该项目进行风险评价，并对可能存在的问题提出合理化意 见。 通过上述研究思路，笔者得出了如下结论：一，在项目贷款中进行财务评价 以及风险评价是必要性；二，在成都某安置房项目中，通过财务评价结果可以得 出该项目有着良好的财务状况、较好的盈利能力以及偿债能力，但为了使中信银 行信贷决策的风险性更低，根据该项目的实际情况，提出多种项目模式结合设计、 产业合作方引入等合理降低信贷决策的风险性的意见；三，在成都某安置房项目 中，风险分析结果表明该项目在国家、汇率等方面的风险等级为可忽略，在自然 灾害、项目运营等方面的风险等级为中等，在技术方面的风险等级为重要，并根 据其风险等级提出项目贷款中风险应对措施 关键词：银行投资项目；评价方式；安置房项目 ABSTRACT II ABSTRACT With the deepening of the reform of China's market economy and the advent of the era of global economic integration, competition among peers has intensified, and the traditional banking business has been unable to meet the increasing needs of customers. In order to ensure its own market position and share in the increasingly competitive market competition, the bank management should consider seeking changes in the traditional evaluation mode. In 2003, a development zone in Chengdu was formally established. In response to the government's call, CITIC Bank invested in more than 30 projects with a total investment of 4.5 billion yuan, which added benefits to the planning of Chengdu's major cities. In order to maximize the benefits of these investments, the existing bank investment project evaluation is optimized and explored, with rich experience in financial analysis and risk analysis. The research on village (community) collective investment projects will fill in the theoretical gaps, increase the practical experience of village (community) collective investment projects, provide reference for future economic and financial evaluation and risk factors determination and analysis in village (community) collective investment projects, and promote urban development. Based on relevant theories, this paper combines qualitative analysis with quantitative analysis, adopts questionnaire method, and comprehensively uses the above research methods to explore the bank investment evaluation methods. The research contents mainly focus on the following points: First, the general situation of bank investment project management in China, including the concept and development process of bank investment projects, and puts forward suggestions to make community collective investment projects within the scope of bank investment project management. Introduce the relevant theories of financial analysis and risk prevention; Second, it introduces the basic situation, bidding, principal clauses of the entrusted construction contract and construction management of a resettlement housing project in Chengdu, and analyzes the necessity of financial evaluation and risk evaluation in the project loan application process. Third, it conducts financial evaluation and risk evaluation analysis and evaluation on a resettlement housing project in Chengdu. This paper analyzes the feasibility of the project from the financial aspect, and puts forward reasonable ABSTRACT III suggestions on the possible problems. The risk of the project was evaluated by means of questionnaires and reasonable suggestions were put forward for possible problems. Through the above research ideas, the author draws the following conclusions: First, it is necessary to carry out financial evaluation and risk evaluation in the process of project loan application; Second, in a resettlement housing project in Chengdu, the financial evaluation results show that the project has a good financial situation, good profitability and solvency. However, in order to make the credit decision-making of CITIC Bank less risky, according to the actual situation of the project, the paper puts forward several project modes combined with design and the introduction of industrial partners to reasonably reduce the risk of credit decision-making. Third, in a resettlement housing project in Chengdu, the risk analysis results show that the risk level of the project in terms of country and exchange rate is negligible, the risk level in terms of natural disasters and project operation is medium, and the risk level in terms of technology is important, and the risk response measures in the project loan application process are put forward according to the risk level. Key words:Bank investment projects; Evaluation methods; Housing project 目录 IV 目 录 第一章 绪论 .................................................................................................................... 1 1.1 研究背景和意义 ............................................................................................... 1 1.1.1 研究背景 ................................................................................................ 1 1.1.2 研究意义 ................................................................................................ 1 1.2 相关领域国内外文献综述 ............................................................................... 2 1.2.1 国内研究综述 ........................................................................................ 2 1.2.2 国外研究综述 ........................................................................................ 4 1.2.3 研究评述 ................................................................................................ 5 1.3 研究目标和技术路线 ....................................................................................... 5 1.3.1 研究目标 ................................................................................................ 5 1.3.2 技术路线 ................................................................................................ 6 1.4 研究内容 ........................................................................................................... 8 第二章 相关理论回顾 .................................................................................................... 9 2.1 银行投资项目的概念和发展 ........................................................................... 9 2.1.1 银行投资项目的基本内容 .................................................................... 9 2.1.2 银行投资项目管理的发展 .................................................................... 9 2.2 村（社区）集体投资项目应纳入银行投资项目管理范畴 ......................... 10 2.2.1 村（社区）集体投资项目与银行投资项目间关系 .......................... 10 2.2.2 村（社区）集体投资项目重要性分析 ............................................... 11 2.3 财务分析理论 .................................................................................................. 11 2.3.1 财务分析的原则 .................................................