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  本文關(guān)鍵詞：天津農(nóng)行銀團(tuán)貸款風(fēng)險管理研究　出處：《河北工業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 銀團(tuán)貸款 銀行 項目管理 風(fēng)險管理

【摘要】：隨著我國經(jīng)濟(jì)的高速增長，眾多的大型重點(diǎn)項目投入建設(shè)，這些項目往往需要巨額的資金支持，這就使得國際金融市場上普遍采用的銀團(tuán)貸款方式走進(jìn)了國內(nèi)金融市場。商業(yè)銀行銀團(tuán)貸款是隨著經(jīng)濟(jì)的高速增長而迅速發(fā)展起來的一種嶄新的金融產(chǎn)品。與傳統(tǒng)的雙邊貸款相比，銀團(tuán)貸款具有貸款金額大、時間長、參加銀行多、便于分散風(fēng)險以及收益可觀等特點(diǎn)，，因而成為國際融資領(lǐng)域中長期貸款的重要形式。同時,銀行通過參與銀團(tuán)貸款實現(xiàn)分散信貸風(fēng)險，有效擴(kuò)充資產(chǎn)規(guī)模，牽頭行可獲得可觀的安排費(fèi)收入，或者發(fā)掘潛在客戶資源而開發(fā)其他業(yè)務(wù)。總之，銀團(tuán)貸款給銀行提供了其他業(yè)務(wù)無法提供的諸多便利選擇。 目前銀團(tuán)貸款己經(jīng)成為商業(yè)銀行最具競爭力和盈利能力的核心業(yè)務(wù)之一，己經(jīng)成為大型項目融資、企業(yè)并購等業(yè)務(wù)的重要的融資方式。但在我國，銀團(tuán)貸款的發(fā)展還處于起步階段，遠(yuǎn)遠(yuǎn)落后于國際市場的發(fā)展，如何提前識別和防范銀團(tuán)貸款時的項目風(fēng)險，實現(xiàn)投資收益的最大化，是銀團(tuán)貸款項目成敗的關(guān)鍵。 本文首先回顧了項目風(fēng)險管理的相關(guān)理論與方法，對現(xiàn)有的商業(yè)銀行銀團(tuán)貸款項目風(fēng)險管理的理論體系進(jìn)行了分析；接著，深入分析了天津農(nóng)行銀團(tuán)貸款項目的特性及風(fēng)險源；然后，應(yīng)用商業(yè)銀行銀團(tuán)貸款項目風(fēng)險管理知識，對銀團(tuán)貸款進(jìn)行風(fēng)險識別、風(fēng)險評估、得出風(fēng)險應(yīng)對策略，并進(jìn)行總結(jié)和分析，最終形成一套完整的天津農(nóng)行銀團(tuán)貸款項目風(fēng)險管理方法，以指導(dǎo)銀團(tuán)貸款項目風(fēng)險管理工作，提高項目管理效率、縮短項目周期、降低項目成本，從而創(chuàng)造最大的價值和效益。
[Abstract]:With the rapid economic growth in China, a large number of major projects into construction, these projects often need a huge amount of financial support. This makes the syndicated loan, which is widely used in the international financial market, come into the domestic financial market. The syndicated loan of commercial banks is a new financial product developed rapidly with the rapid economic growth. Compared with bilateral loans. Syndicated loan has the characteristics of large loan amount, long time, more participation in banks, easy to spread risk and considerable income, so it has become an important form of medium and long-term loans in the field of international financing. Banks can spread credit risk by participating in syndicated loans, effectively expand the scale of assets, lead banks can obtain considerable income from arrangement fees, or explore potential customer resources to develop other business. Syndicated loans offer banks many convenient options that other businesses cannot offer. At present, syndicated loan has become one of the most competitive and profitable core business of commercial banks. It has become an important financing method of large-scale project financing, enterprise M & A and other business. But in China. The development of syndicated loan is still in its infancy, which lags far behind the development of international market. How to identify and prevent the project risk in advance and realize the maximization of investment income. It is the key to the success or failure of the syndicated loan project. Firstly, this paper reviews the relevant theories and methods of project risk management, and analyzes the existing theory system of syndicated loan project risk management in commercial banks. Then, the characteristics and risk sources of the syndicated loan project of Agricultural Bank of Tianjin are deeply analyzed. Then, using the risk management knowledge of syndicated loan project of commercial banks, risk identification, risk assessment, risk response strategy, and summary and analysis are carried out. Finally, a complete set of risk management method of Tianjin Agricultural Bank syndicated loan project is formed to guide the risk management of syndicated loan project, improve the efficiency of project management, shorten the project cycle, and reduce the project cost. Thus creating maximum value and benefit.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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