| 商业银行拓展地方政府融资平台业务的前景与策略 |
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| 引用本文： | 中国工商银行城市金融研究所课题组. 商业银行拓展地方政府融资平台业务的前景与策略[J]. 金融论坛, 2010, 15(5) |
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| 作者姓名： | 中国工商银行城市金融研究所课题组 |
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| 摘 要： | 商业银行发展政府融资平台业务,能够通过放贷获得经济收益,提高市场份额,密切银政关系,提升市场美誉度。但地方政府融资平台可能给商业银行带来责任主体模糊、杠杆率偏高、偿付风险、流动性风险、项目合规风险和政策性风险等风险;在金融体系层面,融资平台贷款信用承诺实际上是商业银行的自我授信。如果风险控制不当,政府债务风险、房地产开发企业债务风险等有可能集中于商业银行,使后者成为风险集聚的洼地。发展融资平台业务,应合理利用资产证券化,严格授信制度,采用银团贷款,加强财务监督,以及探索投资市政债和利用直投方式灵活介入项目等。
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| 关 键 词： | 商业银行 地方政府融资平台 地方政府融资平台贷款 财政担保 金融风险 |
Prospects and Strategies of Commercial Banks in Improving Services for Local-government Financing Platforms |
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| The Study Group of ICBC Urban Finance Research Institute. Prospects and Strategies of Commercial Banks in Improving Services for Local-government Financing Platforms[J]. Finance Forum, 2010, 15(5) |
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| Authors: | The Study Group of ICBC Urban Finance Research Institute |
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| Affiliation: | The Study Group of ICBC Urban Finance Research Institute |
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| Abstract: | Improving services for local-government financing platforms brings considerable benefits for commercial banks,such as increasing interest income on loans,increasing market share,consolidating government-bank relations and enhancing market reputation.At the same time,local-government financing platforms may also trigger off some risks for commercial banks,such as ambiguous responsibility subject,high leverage,repayment risk,liquidity risk,compliance risk,as well as policy risk.As for the financial system,the... |
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| Keywords: | commercial bank local-government financing platform loans for local-government financing platform guarantee of public finance financial risk |
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