Xx Xx Branch Of The Bank Of Local Government Financing Platform For Credit Risk Analysis And Management Study

As the state plans to development the economy by stimulating domestic demand, the local governments'economic development faces new opportunities and challenges, the limited financial resources obtained by traditional methods far can not meet the current investment supporting. So the Local Government Financing platform is bringed in. However, the financing platform occurred many of the problems during the operationin one more years, the risk of providing loans of commercial banks is also growing, the loans from government financing platform for the company becomes the focuse during two sessions. In this context, how to promote local government financing platform for sustained, rapid, healthy and coordinated development, how to management risk local government financing for commercial banks lending has become very urgent and important problerm.The article is divided into five parts, the first introduced the concept of local government financing platform and actuality of loans financing platform for the background of extraordinary growth; the detailed analysis of local government finance loans extraordinary growth platform for the macro risks was maked in the second part; the third part analysed that the financing loans may lead to extraordinary growth of micro-risks; then the fourth part take the Chengdu Branch of China Minsheng Bank for example, analyzed the course of business in recent years, the Chengdu Municipal Government financing platform for credit risk management loans specific measures; at last, make some suggestions and countermeasures for commercial banks to management comprehensive risk of loans to local government financing platform.In this paper, the actual operation of local government credit financing platform, analysis of super-normal development of its risks, its credit model is analyzed, then the basis of the local government financing platform for the comprehensive credit risk management. This study will help commercial banks to strengthen local government finance platform loans risk prevention and management and the promotion of local government finance loans to the healthy development platform.