Study On Government Financing Platform Credit Risk Management Of A Policy Bank G Branch

In the process of county economy and local economic development in China,local government financing platforms play a very important role in the financing of local infrastructure and urban construction projects.Since the global economic crisis in 2008,the state has implemented loose monetary and fiscal policies to protect growth and expansion of domestic demand,relaxed the financing restrictions of local government financing platforms,and at the same time,local government financing platforms at all levels have acquired the government background of local government financing platforms.Strong support from major banks.From 2008 to 2018,The annual platform financing loan emerged from 2008 to 2010,an explosive growth phase driven by investment of RMB 4 trillion,a basically stable period from 2010 to 2012,an out-of-balance-sheet growth period from 2012 to 2014,and an explosive growth phase of the investment banking business,with PPP.The stage of barbarism,which is based on government procurement of services and other forms of barbarism from 2015 to 2017,Regulators have also included the current risk of government financing platform loans into the three major risks faced by the banking industry.With the increasing complexity of financial markets,in order to control the risks of credit granting and other credit granting services of local government financing platforms,A policy bank G branch adopted a series of credit risk management and control measures.However,as a whole,A branch of Policy Bank G has not yet established a sound credit risk prevention and control system,and its credit risk management system is still not perfect.This paper analyzes the problems existing in the credit business of G branch local government financing platform and the internal and external factors that lead to the problem.On the basis of the analysis,it puts forward measures to strengthen the risk management of the credit granting business of the G branch of the A policy bank.Through this study,a combination of theory and practice will be explored to explore an effective measure that will be beneficial to the credit risk management of the G bank of the A policy bank.