本文關(guān)鍵詞：長春D公司XX集團(tuán)貸款項目風(fēng)險控制研究　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 房地產(chǎn) 貸款項目 風(fēng)險控制

【摘要】：房地產(chǎn)行業(yè)是我國國民經(jīng)濟(jì)的重要支柱,國家通過出臺各項政策調(diào)控房地產(chǎn)市場的發(fā)展。近年來,房地產(chǎn)開發(fā)建設(shè)規(guī)模不斷擴(kuò)大,房價持續(xù)上漲,截止2016年下半年,大部分城市房價仍穩(wěn)中有升。房地產(chǎn)開發(fā)建設(shè)需要大量資金,一般情況下,開發(fā)商會向銀行或其他金融機(jī)構(gòu)貸款以維持項目建設(shè)和運(yùn)營。銀行或其他金融機(jī)構(gòu)看準(zhǔn)時機(jī),為房地產(chǎn)開發(fā)行業(yè)提供金融貸款服務(wù)。地產(chǎn)貸款業(yè)務(wù)給銀行等金融機(jī)構(gòu)帶來利潤的同時,也帶來了巨大的風(fēng)險。開發(fā)商的建設(shè)能力與財務(wù)狀況各不相同,外加經(jīng)濟(jì)發(fā)展規(guī)律與國家政策等相關(guān)外在因素影響,很大程度上會給還款帶來一定風(fēng)險。如何預(yù)測及評估風(fēng)險,如何響應(yīng)與控制風(fēng)險,是本文所要研究的內(nèi)容。D公司與XX集團(tuán)就“XX-花開四季”項目展開首次合作,貸款數(shù)額較大,項目管理因素眾多,風(fēng)險管理難度較高。本文就該項目風(fēng)險管理展開研究,包括以下幾個部分:第一部分,從整體上給出本文的研究背景、研究意義、國內(nèi)外研究現(xiàn)狀,以及項目管理的相關(guān)理論知識。第二部分,主要闡述項目風(fēng)險管理相關(guān)理論,主要包括項目管理和項目風(fēng)險管理。第三部分,主要闡述XX集團(tuán)貸款項目存在的風(fēng)險,從XX集團(tuán)及項目概況等方面評估風(fēng)險,包括經(jīng)營管理、業(yè)務(wù)操作、財務(wù)、欺詐、騙貸等方面風(fēng)險;從外部看,主要有國家政策變化與經(jīng)濟(jì)發(fā)展規(guī)律制約等方面風(fēng)險。第四部分,通過對XX集團(tuán)貸款項目風(fēng)險分析,從深層次角度給出風(fēng)險成因。長春D公司管理與操作因素是項目風(fēng)險的內(nèi)部成因;國家對房地產(chǎn)行業(yè)政策調(diào)整和經(jīng)濟(jì)發(fā)展規(guī)律變化是外部成因;XX集團(tuán)經(jīng)營管理因素是影響償債能力的最主要因素,是償債風(fēng)險產(chǎn)生的決定性因素。對項目風(fēng)險成因分析有助于風(fēng)險控制措施制定。第五部分,是本文重點(diǎn)研究部分,D公司從貸前、貸中、貸后對整個過程進(jìn)行動態(tài)管理,嚴(yán)格審批流程與審查程序,信用調(diào)查、審批程序、風(fēng)險控制等貫穿項目管理的全過程。全程監(jiān)督,有效降低風(fēng)險,使項目目標(biāo)順利實(shí)現(xiàn)。第六部分,闡述XX集團(tuán)貸款項目風(fēng)險控制措施的保障。D公司與XX集團(tuán)對合作項目管理是項目順利進(jìn)行的必要保障;XX集團(tuán)穩(wěn)定的財務(wù)狀況是償債能力的有效保障;項目風(fēng)險管理關(guān)鍵依賴于人的管理,人力資源是XX集團(tuán)貸款項目風(fēng)險管理的基礎(chǔ)性保障。第七部分,是對全文的總結(jié),總結(jié)雙方合作項目風(fēng)險控制;展望D公司發(fā)展前景,希望對D公司有一定借鑒意義。
[Abstract]:The real estate industry is an important pillar of our national economy, and the state has introduced various policies to regulate the development of the real estate market. In recent years, the scale of real estate development and construction has been expanding continuously, and the house price continues to rise. By the second half of 2016, the house prices in most cities are still rising steadily. The development and construction of real estate needs a lot of funds. In general, developers will lend to banks or other financial institutions to maintain the construction and operation of the project. Banks or other financial institutions can provide financial loan services for the real estate development industry. The real estate loan business brings profits to banks and other financial institutions. It also brings great risks. The development capacity of the developer is different from that of the finance. Besides the influence of the external factors such as the economic development rule and the national policy, it will bring a certain risk to the repayment to a large extent. How to predict and evaluate the risk, how to respond to and control the risk is the content of this article. D company and XX group for the first time "XX- bloom four seasons" project for the first time, the loan amount is large, the project management factors are numerous, the risk management is more difficult. This paper studies the risk management of the project, including the following parts: the first part gives the research background, research significance, research status at home and abroad, and related theoretical knowledge of project management. The second part mainly expounds the related theories of project risk management, including project management and project risk management. The third part mainly expounds the risk XX group loan project, risk assessment from the XX group and the general situation of the project and other aspects, including business management, business operations, financial fraud, etc., Piandai risk; from the outside, the main aspects of national policy changes and economic development law of control risk. The fourth part, through the XX group loan project risk analysis, from the deep point of view of the risk causes. Management and operation Changchun D company is the internal causes of project risk; changes of national adjustment of the real estate industry policy and economic development are external causes; management factors of XX group are the main factors to influence the solvency, solvency risks is a decisive factor. The analysis of the cause of the project risk contributes to the formulation of risk control measures. The fifth part is the key part of this paper. D company dynamically manages the whole process from loan, loan and loan, strictly examines and approvals process and review procedure, credit investigation, approval process, risk control and so on throughout the whole process of project management. The whole course supervision can effectively reduce the risk and make the project goal successfully realized. The sixth part, the protection of the risk control measures of the XX group loan project. D company and XX group is necessary to ensure the smooth progress of the project on the cooperation project management; XX group, stable financial status is the effective guarantee of solvency; project risk management plays a key role in the management of people, human resources is the basic guarantee of XX group loan project risk management. The seventh part is a summary of the full text, summarizes the risk control of the two sides, and looks forward to the development prospect of D company, and hopes to have some reference for D company.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F299.233.42

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