Government Financing Of Commercial Bank Platform Type Of Customer Credit Risk Control

Government financing platform as the local government infrastructure and the loans subject of urban construction finance, played a positive role in the local economic development. Especially since the end of 2008, in line with the national "4000billions" revitalization plan, the number of local government financing and financing size show a trend of rapid development. The resulting surge in local government debt caused by the regulatory authorities and industry concerns. The government introduced a series of normative documents and measures financing platform, the industry is beginning to emerge on the platform, the credit of the company. This paper is under this context. Through the commercial bank risk management and control theory, analysis the financing platform status and risk characteristics. And has the sate-owned commercial banks in Hunan province 47 Government capital-raising platforms for the sample class clients, and logistic model is used in government financing platform for the credit risk category customer empirical analysis. Finally, this paper raised suggestion about government control of commercial bank financing platform type of customer and the method of credit risk measure.In order to study government financing platform class customer credit risk and risk control measures, this paper had five chapters on government financing platform class customer credit risk in layer-depth analysis and research. The main contents are as follows:Chapter I, Introduction, Describes the development of government financing platform, and discuss the relevant theory and literature review; Chapter II, Commercial bank credit risk from the connotation of the guidelines, described the commercial bank risk management theory and credit risk control system; ChapterⅢ, first describes the status of government financing platform for loans, credit surge in the background, and the current government financing platform for analysis of the policy loans, then from national policy and local financial strength, industry, platform type companies such as self-development operation focused on three aspects of the government financing platform class customer credit risk characteristics; ChapterⅣ, Government financing by 47 platform companies credit data from the Government's financial strength, the regional economy, source of repayment, the platform company's financial position four dimensions of selected variables and Logistic regression model was constructed on government financing platform class customer empirical analysis of credit risk. Finally, analysis of the first four chapters in the fifth chapter overall credit from the bank strategy, specific credit measures, and the strengthening of cooperation between banks three commercial banks raised platform of government financing and risk control measures proposed to on the commercial bank financing platform for the government to control the credit risk category customers to provide ideas.