Research On The Impact Of Local Government Financing Vehicle Influence On D Commercial Bank Credit Risk

In recent years,the term “risk” seems to have become the focus of our country's economic field.Similarly,the issue of how to prevent risks has become a hot issue in economic research in recent years.The risks faced by China's local government financing platform itself and the various risks it brings to commercial banks are also the parts that need to be focused.In the financial crisis of 2008,the government financing platform began to enter the stage of prosperity and development,and served as the “city builder”.However,with the changes in the economic environment,the development of local government financing platforms entered a state of austerity in 2014.In the following years,the state issued a series of opinions on local government financing platforms.In 2017,the“Notice on Further Regulating the Local Government's Debt Financing Behavior” can be seen that the state has paid great attention to the risk behavior of local government financing platforms.From the development history of local government financing platforms,it has had a lot of positive impact on the stable development of society,sustained economic growth,and stable industrial structure.However,due to the rapid development of local government financing platforms,our country is in the system construction.There is no way to adapt to the speed of economic development,so this not only causes the financial risks of the local government financing platform itself,but also brings credit risks to the commercial banks that lend to them.Therefore,under the above development background,this paper will focus on the following three points: First,what are the risks that commercial banks will face when they lend loans to local financing platforms;second,China The commercial banks are measuring and analyzing the credit risk caused by the failure to repay loans on time in local government financing platforms.The third point is how to bring loans from local government financing platforms to commercial banks.Credit risk gives advice andopinions.Therefore,according to the focus of this paper,from the basic theory related to the local government financing platform and the cooperation mode between the platform and the commercial bank,we will analyze in detail the various aspects faced by commercial banks in China when they issue local financing platform loans.Risks;Then,the construction of the Logistic model was constructed.The main research body of D commercial banks in Hubei was selected.After eliminating the incomplete data,41 local financing platform companies that were credited during the 2016 period were selected as research samples.From the perspective of the local government financing platform,the credit risk of default is analyzed and totaled;in the end,according to the credit risk analysis of the local financing platform loans to commercial banks,from the government level,the bank level,the local financing platform level The corresponding control recommendations.I hope that I can help commercial banks with this trouble to control the credit risk brought by the local government financing platform and contribute to the prosperity and development of China's financial market.