Local Government Financing Platform Loan Risk Assessment And Management Countermeasure Research

Since the 2009, local governments in national development financing platform. Through this platform, on the one hand, the local government widen the central government investment projects complete capital financing channels, accelerate the pace of urbanization, On the other hand, the commercial bank loans, further expanded into a loan for optimizing structure of China, to expand domestic demand and played an important role. Local financing platform of the rapid expansion of the size of the loan in many areas, the local fiscal solvency, constitutes the deterrence of commercial bank credit capital safety brings hidden trouble, finally will likely cause financial problems and financial problems, the recessive risks caused by government regulators have families and domestic commercial Banks of widespread concern. Held a few days ago the CPPCC,local government financing platform loan risk problem again, how to evaluate the regulators and local government loan financing platform of commercial bank credit risk has become the problem to be solved.This article begins with a large commercial bank middle area a provincial branch of local government since last year loan financing platform scenario is analyzed, and the local government investment behavior in financing platform, the existing problems and risks, through to the loan risk assessment and analysis of the reasons for the formation of commercial Banks, put forward to strengthen and improve the local government loans financing platform of risk management, some measures and Suggestions.This system consists of four parts.The first part for the introduction section. Major topics of the background, significance to analyze this topic of current domestic concern was summarized, the combination of theoretical foundation is studied in this paper, the main content and put forward the key.The second part is the local government loans financing platform to analyze the current situation. Based on local government financing platform operation mode and analyses the current situation of the loan, investment and financing platform in behavioral problems, and enumerates some to regulate investment behavior of experts.The third part is to local government loans financing platform credit risk evaluation analysis. From the credit risk with credit to measure the choice, this paper analyses the key assessment system of financing platform of borrower loan risks, risks, risks and debt-servicing misappropriation loan concentration risk, and points out the reasons, and formed risk of commercial bank to strengthen and improve the local government loans financing platform stock the urgency and necessity of risk management.The fourth part is measures and Suggestions.According to the above analysis, the assessment made with the credit risk management theory, the loan increment and stock from two aspects, the local government to strengthen and improve the risk management of loans financing platform, some measures and Suggestions.This paper tries to present the reference of commercial bank management measures, the group clients on the background of financing platform into the customer management, check and ratify group, in order to solve the highest loan limit of local government on the same project financing platform, and the proportion of super financing, financing platform bull loans and excessive use of financing, credit risk for commercial Banks to local governments to improve the potential risk of loan financing platform, and adopt measures to prevent and dissolve the credit risk.