论文部分内容阅读
近年来,地方政府借助于融资平台,实施了大量基础设施项目,对当地社会经济发展起到巨大的推动作用;银行通过支持城市基础设施建设项目,获得了较高的综合收益,实现了商业利益和社会责任的统一。同时,也应该看到,由于地方政府融资平台投融资规模大,借款期限长,风险具有隐蔽性,且贷款往往来自多家银行,单个银行难以通过信贷审查控制风险,一旦发生违约,波及面甚广,存在着较高的系统性风险。当前,银行必须加强认识,重点防范地方政府融资平台贷款风险。
In recent years, with the aid of financing platform, local governments have implemented a large number of infrastructure projects, which have played a huge role in promoting the social and economic development in the region. By supporting urban infrastructure projects, banks have achieved higher comprehensive benefits and achieved commercial benefits And social responsibility of the unity. At the same time, it should also be noted that due to the large scale of investment and financing by local government financing platforms, the long term of loans and the hidden risks and the loans often come from many banks, it is difficult for a single bank to control risks through credit examination. Once a breach of contract occurs, Wide, there is a high systemic risk. At present, banks must strengthen their understanding and focus on preventing the loan risks of local government financing platforms.