發(fā)布時間：2018-05-03 10:37

  本文選題：評估 + 風(fēng)險�。� 參考：《吉林大學(xué)》2012年碩士論文

【摘要】：項目固定資產(chǎn)貸款業(yè)務(wù)是商業(yè)銀行信貸管理的一種，在我國商業(yè)銀行經(jīng)營中一直占有較高比重，商業(yè)銀行項目貸款評估是對項目貸款取舍和優(yōu)化的過程，是銀行進行項目貸款決策的先決條件和重要步驟。B銀行于上個世界80年代，通過與世界銀行合作，學(xué)習(xí)世界銀行的先進經(jīng)驗，率先在國內(nèi)開展項目評估工作，經(jīng)過近30年的發(fā)展，已經(jīng)擁有了一套較為完整的項目風(fēng)險評估體系和流程。 風(fēng)力發(fā)電不同于火電、水電，其主要發(fā)電技術(shù)及設(shè)備是最近20年開始逐步發(fā)展起來的，從單純引進國外技術(shù)和設(shè)備，到國內(nèi)廠商開始獨立生產(chǎn)，并且相關(guān)技術(shù)和設(shè)備在不斷更新改進，考慮到風(fēng)力發(fā)電設(shè)備技術(shù)、接入送出技術(shù)的發(fā)展走向等多種問題均存在不確定性，因此如何從新的角度去識別新產(chǎn)業(yè)的機會與風(fēng)險，是當(dāng)前“風(fēng)電熱”下銀行面臨的突出問題。任何行業(yè)都存在機會與風(fēng)險，風(fēng)電也不例外。從長遠看，風(fēng)力發(fā)電與其他常規(guī)能源相比，具有資源不枯竭、發(fā)電無污染等優(yōu)勢，因此風(fēng)電的發(fā)展是大勢所趨，我國政府目前對風(fēng)力發(fā)電等新能源產(chǎn)業(yè)鼓勵發(fā)展、大力提倡，并且從電價、上網(wǎng)、稅收等方面給予了許多優(yōu)惠政策，，因此未來發(fā)展形勢樂觀；但在目前，由于配套電網(wǎng)建設(shè)薄弱，風(fēng)力發(fā)電項目存在上網(wǎng)難、棄電現(xiàn)象嚴重、風(fēng)電場普遍經(jīng)營困難等現(xiàn)狀，行業(yè)機會更多的是局部的、結(jié)構(gòu)性的機會，因此商業(yè)銀行應(yīng)該積極審慎地對待風(fēng)力發(fā)電項目貸款，主要從銀行的角度上對擬貸款項目從項目建設(shè)的必要性、技術(shù)的先進合理性、財務(wù)效益、銀行收益及潛在風(fēng)險等方面進行全面系統(tǒng)的分析論證的基礎(chǔ)上，做出全面的經(jīng)濟評價。 本文作者通過分析發(fā)現(xiàn)B銀行吉林省分行近期承貸的風(fēng)電貸款項目在技術(shù)發(fā)展、設(shè)備制造、發(fā)電上網(wǎng)、貸款收益等諸多方面存在的問題，因此于2011年對省內(nèi)風(fēng)力發(fā)電行業(yè)進行詳細調(diào)查研究，通過對風(fēng)電項目貸款的風(fēng)險控制進行設(shè)計，優(yōu)化業(yè)務(wù)流程及建立合理的的評估監(jiān)控機制，以期尋求有效的貸款風(fēng)險管理控制措施。 本文的具體內(nèi)容主要由以下六大部分組成：前言部分；第一章是吉林省B銀行風(fēng)電項目貸款現(xiàn)狀及存在問題；第二章是吉林省B銀行風(fēng)電項目貸款現(xiàn)存問題分析；第三章是吉林省B行風(fēng)電項目貸款的風(fēng)險控制設(shè)計；第四章是吉林省B行風(fēng)電項目貸款評估的保障和實施；最后是全文的思考與結(jié)論。 本文通過評估實例，從多方面入手，進行分析論證，解決了未來B銀行如何設(shè)計風(fēng)電行業(yè)貸款風(fēng)險評估指標；如何設(shè)計風(fēng)電行業(yè)風(fēng)險評估步驟和流程；如何保障風(fēng)電行業(yè)貸款風(fēng)險控制的有效執(zhí)行等方面的問題，對全面揭示風(fēng)力發(fā)電項目貸款風(fēng)險起到了關(guān)鍵和決定性的作用。
[Abstract]:The project fixed assets loan business is a kind of commercial bank credit management, has been occupying the high proportion in our country commercial bank management, the commercial bank project loan appraisal is to the project loan choice and the optimization process, It is a prerequisite and an important step for banks to make project loan decisions. In the 1980s, through cooperation with the World Bank and learning from the advanced experience of the World Bank, Bank B took the lead in carrying out project evaluation work in China. After nearly 30 years of development, has a relatively complete project risk assessment system and process. Wind power generation is different from thermal power, hydropower, its main power generation technology and equipment has been gradually developed in the last 20 years, from simply introducing foreign technologies and equipment to domestic manufacturers starting to produce independently. And the related technology and equipment are constantly updating and improving, considering the uncertainty of wind power equipment technology and the development trend of the access and delivery technology, so how to identify the opportunities and risks of the new industry from a new perspective, Is the current "wind, electric heating" under the outstanding problems faced by banks. There are opportunities and risks in any industry, and wind power is no exception. In the long run, compared with other conventional energy sources, wind power generation has the advantages of unexhausted resources and no pollution, so the development of wind power is the trend of the times. At present, the Chinese government is encouraging the development of new energy industries such as wind power generation, and vigorously advocating the development of new energy industries, such as wind power generation. And many preferential policies have been given from the aspects of electricity price, Internet access and taxation, so the future development situation is optimistic. But at present, due to the weak construction of supporting power grids, it is difficult for wind power generation projects to access the Internet, and the phenomenon of abandoning electricity is serious. Wind farms are generally difficult to operate, and the opportunities in the industry are more local and structural. Therefore, commercial banks should actively and prudently treat loans for wind power projects. On the basis of the comprehensive and systematic analysis and argumentation of the project construction, the advanced rationality of technology, the financial benefit, the bank income and the potential risk, the comprehensive economic evaluation is made from the point of view of the bank. Through the analysis, the author finds out the problems existing in the technical development, equipment manufacturing, power generation and internet access, loan income and so on in the recent wind power loan project of Bank B Jilin Province Branch. Therefore, in 2011, the wind power industry in the province was investigated and studied in detail. Through the design of risk control for wind power project loans, the business process was optimized and a reasonable evaluation and monitoring mechanism was established. In order to seek effective loan risk management and control measures. The specific content of this paper is composed of the following six parts: the preface, the first chapter is the current situation and existing problems of the wind power project loan of Jilin Province B Bank, the second chapter is the analysis of the existing problems of the B bank wind power project loan in Jilin Province. The third chapter is the risk control design of line B wind power project loan in Jilin province; the fourth chapter is the guarantee and implementation of line B wind power project loan evaluation in Jilin province; In this paper, through the example of evaluation, from many aspects of analysis and argumentation, the solution of the future B bank how to design the risk assessment index of wind power industry loan, how to design the risk assessment steps and processes of wind power industry, and how to design the risk assessment process of wind power industry. How to ensure the effective implementation of loan risk control in wind power industry plays a key and decisive role in revealing the loan risk of wind power projects.
【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】：2012
【分類號】：F832.4;F426.61

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