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论文编号：	4511
作者编号：	2220100581
上传时间：	2012/6/13 11:06:38
中文题目：	商业银行银团贷款项目风险管理研究
英文题目：	Commercial Bank Loan Risk Management Research
指导老师：	戚安邦
中文关键字：	银团贷款 商业银行 项目管理 风险管理
英文关键字：	Syndicated loan Commercial bank Risk management
中文摘要：	随着我国经济的高速增长，众多的大型重点项目投入建设，这些项目往往需要巨额的资金支持，这就使得国际金融市场上普遍采用的银团贷款方式走进了国内金融市场。商业银行银团贷款是随着经济的高速增长而迅速发展起来的一种崭新的金融产品。与传统的双边贷款相比，银团贷款具有贷款金额大、时间长、参加银行多、便于分散风险以及有可观的费用收入等特点和优点，因而成为国际融资领域中长期贷款的重要形式。银行通过参与银团贷款能够分散信贷风险，有效扩充银行资产规模，牵头行又可获得可观的安排费收入，或者发掘潜在客户资源而开发其他业务。总之，银团贷款给银行提供了其他业务无法提供的诸多便利选择。随着国内资本市场及信用体系的不断发展和完善，从2005年开始，我国国内银团贷款余额开始以每年超过50%的幅度增长。上海、北京、广东等金融中心地区的涨幅则更为明显。目前银团贷款己经成为商业银行最具竞争力和盈利能力的核心业务之一，己经成为大型项目融资、企业并购等业务的重要的融资方式。在我国，银团贷款的发展还处于起步阶段，远远落后于国际市场的发展，如何提前识别和防范商业银行银团贷款时的项目风险，为商业银行带来投资收益的最大化，是商业银行银团贷款项目成败的关键。本文首先回顾了项目风险管理的相关理论与方法，对现有的商业银行银团贷款项目风险管理的理论体系进了分析；接着，深入分析了商业银行银团贷款项目的特性及风险源；然后，应用商业银行银团贷款项目风险管理知识，对商业银行银团贷款实际项目案例进行风险识别、风险评估、得出风险应对策略，并进行总结和分析，最终形成一套完整的商业银行银团贷款项目风险管理方法，总结出风险管理的几点重要结论，以指导商业银行银团贷款项目风险管理工作，提高项目管理效率、缩短项目周期、降低项目成本，从而创造最大的价值和效益。
英文摘要：	With China's rapid economic growth, many large-scale investment in the construction of key projects, these projects often require huge financial support, which makes the international financial markets widely used syndicated loans into the domestic financial market. Commercial bank syndicated loans, with rapid economic growth and rapidly developed a new financial product. Compared with the traditional bilateral loans, syndicated loans with the loan amount, long time, participating banks and more easy to spread risk and a substantial fee income and other characteristics and advantages, and thus the field of international finance an important form of long-term loans. Through participation in syndicated loans to banks to spread credit risk, effectively expanding the size of bank assets, the lead line and receive substantial arrangement fees, or potential customers to explore other business development resources. In short, syndicated bank loans to other businesses can not provide many convenient options. As the domestic capital market and credit system of continuous development and improvement, beginning in 2005, China's domestic syndicated loans start at an annual growth rate of more than 50%. Shanghai, Beijing, Guangdong and other regional financial centers of the increase is even more apparent. Currently syndicated commercial bank loans has become the most competitive and profitable core business, has become large-scale project finance, mergers and acquisitions and other important business financing. In China, the development of syndicated loans still in its infancy, lagging far behind the development of international markets, how to proactively identify and prevent commercial bank syndicated loans, project risk, the commercial banks to maximize the return on investment, commercial bank syndicated lending the key to success. This thesis first reviews the project risk management-related theories and methods of existing commercial bank syndicated loan project risk management system into the theory of comparative analysis; then, in-depth analysis of the Tianjin City Commercial Bank syndicated loan characteristics and environmental projects, projects stakeholders, management and technology in four areas of risk source; then use the commercial bank syndicated loan project risk management knowledge and tools of Tianjin City Commercial Bank syndicated loan project risk identification, risk assessment, risk response planning, risk monitoring and organizational protection, and a summary and analysis, and ultimately to form a complete set of commercial bank syndicated loans and project risk management system strategy, risk management, summed up several important conclusions to guide commercial banks in syndicated lending project risk management, improve project management efficiency shorten the project cycle, reduce project costs, thereby creating maximum value and efficiency.
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