| 地方政府融资平台贷款的风险产生原因探析 |
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| 引用本文： | 段振文,张雪莲,冯开文.地方政府融资平台贷款的风险产生原因探析[J].上海金融学院学报,2013(6):66-72. |
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| 作者姓名： | 段振文 张雪莲 冯开文 |
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| 作者单位： | [1]中国农业大学,北京100083 [2]河南工业大学,河南郑州450001 |
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| 基金项目： | 本文获全国统计科学研究计划项目“商业银行地方政府融资平台贷款风险及其影响因素研究”（2012LZ056）资助. |
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| 摘 要： | 地方政府融资平台贷款的风险产生原因有，银行和政府、融资平台的信息不对称；官员考核机制、领导任期与贷款期限不对称、借新钱还旧钱；银行对政府过度授信、银行对贷款资金监管不规范；平台公司的经营制度不规范、抵质押不到位。
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| 关 键 词： | 地方政府 融资平台 贷款风险 |
Causes for Loan Risk of Local Government Financing Platform |
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| DUAN Zhen-wen,ZHANG Xue-lian,FENG Kai-wen.Causes for Loan Risk of Local Government Financing Platform[J].Journal of Shanhai Finance University,2013(6):66-72. |
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| Authors: | DUAN Zhen-wen ZHANG Xue-lian FENG Kai-wen |
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| Institution: | DUAN Zhen-wen, ZHANG Xue-lian, FENG Kai-wen |
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| Abstract: | According to studies, this article conclued the causes for loan risk of local government financing platform into four aspects： information asymmetry in banks and government financing platforms; incomplete country offcials check mechanism, which leads to mismatch of term of office and the loan length of maturity; excessive government credit and lack of supervision; the last but not the least, non-standard platform＇s operating system and insuffcient collaterals. |
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| Keywords: | local government financing platform risk causes |
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