商业银行政府平台性贷款风险的形成及控制研究  

Study on Loan Risk Emergence and Control ling from Commercial Bank Government Platform Loan

作　　者：顾海峰[1] 许强[1] 

机构地区：[1]东华大学旭日工商管理学院,上海200051

出　　处：《金融理论与实践》2014年第7期13-19,共7页Financial Theory and Practice

基　　金：国家社会科学基金项目(13BGL041);教育部人文社会科学研究一般项目(11YJC790051);中国博士后科学基金项目(20090450683);中央高校基本科研业务费专项资金项目(项目批准号11D10827)

摘　　要：自分税制改革以来,地方政府财政收入发生分流,导致地方政府现行财政收入程度无法承担大规模的城市基础设施建设,对此,地方政府通过平台性贷款模式获取商业银行信贷资金已成为地方政府募集城市建设资金的主要来源,同时,商业银行应强化地方政府平台性贷款的风险控制措施。为此,在分析商业银行政府平台性贷款风险分布现状的基础上,探讨了商业银行政府平台性贷款风险的形成机理,并以此为依据,设计了商业银行政府平台性贷款风险的控制机制。该研究成果将为我国商业银行在政府平台性贷款的实践中科学高效的控制贷款风险提供重要的理论指导与决策参考。Since the tax sharing system reform, the local government revenue shunt, leading to the local government fiscal income level cannot bear the city infrastructure construction, large in this regard, the local government to obtain credit funds of commercial banks through the platform loan mode, has become the main source of local government, to raise funds for City construction at the same time, commercial banks should strengthen risk control measures local government loan. This article analyzes the distribution status, commercial banks, government platform loan risk, on this basis, analyzed the forming mechanism of commercial bank loans risk government platform, and on this basis, the design of the control mechanism of commercial bank loans risk government platform. The research results will provide theoretical guidance and decision-making reference for China＇s commercial banks how to control credit risk in the practice of government platform loans.

关 键 词：商业银行 地方政府 平台性贷款风险 

分 类 号：F832.33[经济管理—金融学]