商业银行政府融资平台信贷业务风险及防范

随着中国投融资体制改革深化，分税制改革导致财政收入向中央政府集中，加剧了各级地方政府旺盛的投资需求与有限财力供给之间的矛盾。为规避现行法律的限制，各级政府都通过融资平台借贷资金用于非经营性、准经营性项目，并依靠财政未来收入还本付息。伴随着商业银行追逐利润产生的放贷冲动，政府融资平台贷款亦呈超常增长之势，这种大规模集中投放隐含了借款主体还贷能力不足、贷款项目政策性风险问题突出、贷款担保流于形式等多种风险。应加强商业银行风险管理，采取各种风险防控的应对措施。

Analysis and Preventive Measures on Commercial Banks' Government Financing Platform

Along with reforms of investment and financing system and tax system, fiscal revenue has centralized, local governments face financing gap. In order to circumvent the existing regulations, local governments borrow via financing platform for non-and quasi-operational, projects based on the future revenue. In order to pursue hefty profit commercial banks increased these loans sharply. These loans have resulted in risks such as insufficient repayment capacity, policy variance, under-secured. This article proposes for strengthening risks management and solutions for risk control.