联系我们

论文查询结果	返回搜索

论文编号：	9113
作者编号：	2120153004
上传时间：	2017/6/7 11:16:18
中文题目：	F银行J公司贷款项目财务风险管理研究
英文题目：	The research on the Financial Risk Management of F Bank J Company Loan Project
指导老师：	程莉莉
中文关键字：	银行;贷款项目;风险管理;财务风险
英文关键字：	Bank;Loan project;Risk management;Financial risk
中文摘要：	当前，信贷业务是我国银行的主要业务，对于经营风险的银行来说，研究银行贷款项目风险尤其是涉及信贷资金的贷款项目财务风险管理是当下热门话题。自2016年开始，世界“黑天鹅”事件频出，英国脱欧公投、美国民粹主义代表人特朗普的当选、TPP被废除，这些事件都给世界经济带来诸多不确定性。与此同时，我国国内经济正面临着转型，“中国制造2025”、“5G时代计划”、“共享经济”都将对中国传统的加工制造业形成挑战。中国数以万计的中小微企业“融资难，融资贵”的问题也日益突出。银行为这些企业融资，势必给自身带来财务风险。 本文选取的案例为国家储备肉项目，该项目由DG市商委与市财政局发起，由J公司负责项目承储，由F银行负责融资。本文使用了案例分析法、文献综述法、定性定量相结合的方法，站在贷款银行F银行的角度对J公司贷款项目财务风险进行剖析。本文结合贷款行F银行当下的风险管理方法，按照风险识别、风险度量、风险应对、风险监控的线路对F银行J公司贷款项目财务风险管理进行研究。首先，本文对贷款项目进行了风险因素识别。本文采集了贷款项目借款人相关资料、担保人相关资料、抵押物评估资料等该项目的主要干系人资料，采用了财务报表分析法、情景分析法、专家判断法等方法对贷款项目的风险因素进行分析，进而得出风险识别结果，列出风险识别清单。其次，本文站在F银行的角度，对已识别出的相关财务风险因素进行度量。其中，担保风险指标主要为抵押物担保能力、保证人保证能力、担保率等，流动性风险指标主要为偿债能力的测算，经营风险指标主要为经营风险度OR的测算，信用风险指标主要涉及贷款企业J公司信用等级的评定、最高综合授信额度的计算等。再次，本文基于项目风险识别和项目风险度量提出了相应的风险应对策略，并论述了F银行J公司贷款项目现有的风险监控措施。最后，本文作者根据现有的风险应对措施提出了对F银行贷款项目财务风险应对措施的优化策略。以期望能为当下银行业贷款项目财务风险管理提供一定的参考。
英文摘要：	At present, the loan business is the main one in China's banks.For the bank risks consideration, loan projects especially the financial risk management involving loan projects is current hot topic. Since the beginning of year 2016, the world's "Black Swan" events appear frequently. The United Kingdom starts removing from European referendum, the United States elected representatives of populist Trump, TPP was abolished. All of these events have brought many uncertainties to the world economy. At the same time, China's domestic economy is facing a transition, "Made in China 2025", "5G Era Plan" and the “Sharing of the Economy” will be a challenge to China's traditional manufacturing industry. China's tens of thousands of medium and micro enterprises are all facing financing difficulties.It have become increasingly outstanding problems and it will bring the financial risks eventually for its own. The study involves a case study of a national reserved meat project, initiated by the Municipal Business Commission and Financial Bureau of DG City, operated by Company J for storage and funded by Bank F. The financial risks of Company J’s Loan Project was analyzed with the case analysis, literature review, and the qualitative and quantitative analysis, in the view of the loaner Bank F; and the financial risk management of Bank F for Company J’s Loan Project was examined with the procedures of risk identification, risk measurement, risk response and risk monitor, based on Bank F’s existing risk management measures. Firstly, the risk factors for loan projects were identified, by gathering the information of borrowers and guarantors for loan projects, and principal parties related to collateral assessment, etc., and analyzing the risk factors with the analysis of financial statements, scenario analysis, expert judgment and other methods, to obtain the results of risk identification and the list of risks; secondly, the financial risk factors identified were measured in the view of Bank, in which the guarantee risks chiefly covered the security coverage of the collaterals, guarantee capacity of the guarantor, guarantee rate, etc.; the liquidity risks were estimated for the repayment ability, the business risks were mainly estimated based on the OR index, and the credit risks included the assessment of the credit grade of the borrower Company J, calculation of the highest comprehensive credit line, etc.; thirdly, risk response strategies were proposed based on the risk identification and measurement, and the existing risk monitor measures of the loan project provided by Bank F to Company J were analyzed; and finally, the strategies for optimizing the financial risk response measures for loan projects in Bank F were introduced, based on its existing risk response measures, to provide reference for financial risk management of loan projects in the banking industry.
查看全文：	预览  下载(下载需要进行登录)