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Research On The Credit Risk Of The PPP Project Loan To The New Urbanization Construction Of China Citic Bank Changchun Branch

Posted on:2020-10-23Degree:MasterType:Thesis
Country:ChinaCandidate:W B LiuFull Text:PDF
GTID:2439330575479512Subject:Business Administration
Abstract/Summary:PDF Full Text Request
With the slowdown of China’s economic growth,the non-performing loan rate of commercial banks in China is increasing.Therefore,commercial banks are more inclined to seek cooperation with the government platform and put loans into projects supported by financial funds.At the same time,China is in the development stage of new urbanization construction,improving the basic public service system of cities and towns,promoting the construction of municipal public facilities,which stimulates the investment demand for public infrastructure.In this context,the PPP model where the government cooperates with social capital is highly valued by the government.At present,governments at all levels have given PPP projects vigorous supports.And the financing demand for PPP projects in China is huge,which is in line with the loan demand of commercial banks in China.Commercial banks are very active in PPP projects,but the actual participation rate is not high.The reason should be that commercial banks are unable to fully handle the risks of PPP projects.Therefore,it is an very important subject in the researches of commercial bank risks that how commercial banks participate in PPP project loan.As a traditional joint-stock commercial bank,Changchun Branch of CITIC Bank,which is the main research subject of this paper,is still in the primary stage of developing PPP project loan because of the risk assessment of PPP project loan.Its participation rate of PPP project loan is still not high.In the meanwhile,it will face the risk that the loan can not be recovered.Risk analysis of PPP project loans for new urbanization construction can help CITIC Bank Changchun Branch with handling the main risks of PPP project loans.By taking corresponding crucial strategies,the Bank may minimize risk losses so as to improve its enthusiasm to participate in PPP projects.In terms of content arrangement,this paper demonstrates its research in four chapters as follows: In the first chapter,the author expounds the research background and significance,research methods and contents,literature review and theoretical basis.In the second chapter,the risk of the new urbanization PPP project of CITIC Bank Changchun Branch is analyzed according to the current situation,so are the main problems of the new urbanization PPP project loan.The third chapter carries out the loan risk assessment of the new urbanization PPP project of CITIC Bank Changchun Branch in four aspects: market risk,credit risk,operational risk and compliance risk.The fourth chapter hence puts forward corresponding risk prevention measures according to the loan risk of PPP project of new urbanization construction analyzed above.Finally,the conclusions and shortcomings of this paper are summarized.
Keywords/Search Tags:commercial Bank, PPP project, Loan risk
PDF Full Text Request
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