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论文编号：	11493
作者编号：	2320170585
上传时间：	2019/12/18 22:28:25
中文题目：	工行W小城镇项目贷款的信用风险管理研究
英文题目：	Research on Credit risk Management of W small Town Project loan of ICBC
指导老师：	王曼舒
中文关键字：	建设小城镇 贷款项目 信用风险控制 信用风险管理
英文关键字：	small town construction ；project loan；credit risk；management of credit risk
中文摘要：	随着近年来我国小城镇建设进程明显加快，小城镇建设项目也普遍在投资规模、资金流量以及融资需求等方面有所提升。在前几年房地产、土地市场持续升温的背景下，大部分项目土地出让取得的收入基本可以保证按时还本付息，且能为商业银行带来大量的低成本存款和客户，因此各商业银行对小城镇项目均给予了积极支持。但随着近几年房地产市场交易较为低迷，开发商购置土地决策趋于谨慎，导致部分区域土地出让进度受到了较大的影响，使得小城镇建设项目贷款的信用风险不断上升。因此，本论文选择从工商银行角度出发，以天津W项目作为案例，分析小城镇项目贷款的信用风险管理问题，并对如何防范项目贷款信用风险提出相关建议,为信贷决策提供了参考依据。 本文共分为六个部分：第一章是引言部分，是对研究框架和内容及论文采用的研究方法等进行了详细阐述，主要介绍研究意义及选题背景和创新点等。第二章是主要是用理论综述的方法对小城镇和项目贷款等相关概念进行理论阐述以及对信用风险管理等理论进行回顾。第三章深入阐述了W小城镇项目贷款的背景、信用风险管理现状以及工商银行对小城镇项目贷款的政策。第四章分析了小城镇项目贷款信用风险管理问题的成因，并分别从宏观与微观两个角度探讨了W小城镇项目贷款信用风险管理的问题，进一步细化项目的风险因素。第五章主要为针对W小城镇项目贷款所产生的信用风险提出有效的防范措施及优化策略，该章不仅从宏观上提出了建议，而且也对W项目有针对性的制定了风险控制的方法。第六章是针对本文的研究结论提出不足和改进方向，并对本文的研究内容进行了系统的总结。 本文对现阶段建设小城镇项目贷款过程中存在的信用风险管理问题，通过案例分析法进行分析，希望通过借鉴国内外优秀经验及案例分析这种方式方法，为今后小城镇融资制度的改革及平台的建立提供参考。
英文摘要：	With the obvious acceleration of the construction of small cities and towns in China in recent years, small town construction projects have generally improved in terms of investment scale, capital flow and financing needs. In the context of the continuous warming of real estate and land markets in the past few years, the income from most of the land sales of the project can basically guarantee the timely repayment of principal and interest, and can bring a large number of low-cost deposits and customers to commercial banks. Therefore, commercial banks Active support was given to small town projects. However, with the relatively low transaction in the real estate market in recent years, the decision to purchase land by developers has become more cautious, which has led to a large impact on the progress of land transfer in some areas, making the demonstration small town construction project loan that relies on the land transfer income to repay the loan principal and interest. The credit risk is rising. Therefore, this paper chooses from the perspective of ICBC, and uses Tianjin W project as a case to analyze the credit risk management problem of small town project loans, and puts forward relevant suggestions on how to prevent project loan credit risk, which provides a reference for credit decision. This paper is divided into six parts: The first chapter is the introduction part, which mainly introduces the background and research significance of the topic, and elaborates the research methods, research contents and research framework adopted by the paper. The second chapter is the theoretical review part, which mainly expounds and reviews related concept theories such as small towns and project loans and credit risk management methods. The third chapter elaborates on the background of W small town project loan and the present situation of credit risk management, as well as the policy of ICBC on small town project loans. The fourth chapter discusses the problem of credit risk management of W small town project loans, and analyzes the causes of credit risk management problems of small town project loans from macro and micro perspectives, and further refines the risk factors of the project. The fifth chapter mainly proposes effective preventive measures and management optimization strategies for the credit risks arising from the loan of W small town projects. This chapter not only formulates risk control methods for the project, but also makes recommendations on the macro level. The sixth chapter is the conclusion part, which mainly summarizes the research content of this paper, and also points out the inadequacies and the direction of improvement. This paper analyzes the credit risk problem existing in the loan process of small town construction projects at present stage through case analysis method. It hopes to provide a way to reform the small town financing system and establish the platform by using domestic and foreign excellent experience and case analysis. reference.
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