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论文编号：	7871
作者编号：	2120132849
上传时间：	2015/12/8 8:15:10
中文题目：	政策银行地方政府融资平台贷款管理的研究——以中国农业发展银行为例
英文题目：	Policy bank loans to local government financing platform management research——with the agricultural development bank of China for example
指导老师：	郝臣
中文关键字：	地方政府融资平台;政策性银行;风险防范;对策建议
英文关键字：	local government financing platform;policy banks;risk prevention; countermeasures and Suggestions
中文摘要：	地方政府融资，实质是各级地方政府以融资为经营目的而成立的公司，包括不同类型的城市建设投资、城建公司等。其土地、股权、规费等资产由政府给予划拨，其资产通过政府政策支持达到可以融资的公司，从而实现融资目的，其资金运用于市政建设、公共事业等项目。地方政府融资平台的来源主要为银行。地方政府融资平台因其可以有效地配置资源，促进经济增长，加快城镇化进程，所以使用率急速增长。从统计数据来看，地方政府融资平台确实有效缓解了地方政府资源财力不足等问题，但随着地方政府融资平台贷款规模的不断扩张，融资平台贷款对金融市场造成的风险逐步显现。农发行作为政策性银行一直致力于支持农村基础设施建设，近年来在不断加大对农村基础设施建设类贷款的发放力度，其中大多数是给予地方政府融资平台发放的贷款。2014年国务院、财政部先后下发了《关于加强地方政府性债务管理的意见》(国发2014 43号)、《地方政府存量债务纳入预算管理清理甄别办法》（财预2014351号）对地方政府性债务的管理、清理、甄别提出了明确要求，只在建立“借、用、还”相统一的政府性债务管理机制。同时监管部门也对2014年农发行地方政府融资平台贷款“总量控制”提出了新要求。在这种背景下农发行如何对地方政府融资平台的贷款进行全面风险管理变得非常迫切和必要了。 为积极适应外部政策的调整，拓宽农发行未来业务发展空间，提升可持续发展能力，本文以地方政府融资平台债务为切入点，结合农发行A县支行实际，分析地方债务的现状，就如何开展农业农村基础设施建设贷款业务，如何对政府融资平台贷款的各个环节进行管理和风险防控做以分析.
英文摘要：	Local government financing, the essence of which is local governments at all levels to the financing company for business purposes, including different types of urban construction investment and urban construction company, etc. Is the government to transfer assets such as land, equity, fees, packing one can reach the standard of financing from the assets and cash flow of the company, to achieve the purpose of financing, the fund use in municipal construction, utilities and other projects. The main sources of local government financing platform for the bank. Local government financing platform because of its resources effectively, promote economic growth, to speed up the urbanization process, so use rapid growth. Statistically, local government financing platform is effective in relieving the problems such as lack of resources of local government financial resources, but with the expanding scale of local government financing platform loans, loan financing platform for the risk of financial markets gradually appear. The bank as a policy bank, has been committed to supporting the construction of rural infrastructure, increasing in recent years the issue on rural infrastructure construction loans, most of which is to give local government financing platform loans. In 2014 the state council and the ministry of finance has issued a document. Files on local government debt management, cleaning, screening and put forward clear requirements, only in building "borrow, and" the unity of government debt management mechanisms. Regulators also in 2014 the bank loans to local government financing platform "total amount control" new requirements are put forward. In this context the bank how to local government financing platform loans to conduct a comprehensive risk management is becoming very urgent and necessary To actively adapt to the external policy adjustment, to broaden the bank future business development space, promote the sustainable development ability, based on the local government financing platform, debt as the breakthrough point, combined with the bank XinBin county branch, analyzes the present situation of local debt, rural infrastructure construction is how to develop agricultural loan business, how to manage all aspects of government financing platform loans and to analyze the risk prevention and control do.
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