商业银行项目融资分析研究与发展
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摘要
近年来,商业银行公司金融服务业务中的项目融资被广泛应用于国内发电设施、高等级公路、桥梁、隧道、铁路、机场、城市供水以及污水处理厂等大型基础建设项目,已经被金融界专门定义为:“一种专门为一特定项目安排的融资方法和过程,参与的贷款人愿意以该项目的生产销售所得作为偿债来源并以项目自身的所有资产作为抵押品”。国内许多公司通过项目融资方式成功开发了大型项目,其中不乏大家十分熟悉的经典案例,成功的项目融资带给发起人和贷款人都带来了经济回报,同时也推动了社会的发展,商业银行在项目融资中具有特殊作用,是创新商业银行传统业务的重要领域,相比传统的公司融资模式,现代公司更愿意选择项目融资,而商业银行也更愿意参与其中,这种现象背后肯定有其必然的原因,所以很有必要去分析其中的关键因素,以此来科学地说明项目融资的优点和其可能存在的风险以及未来的发展。
本文将从项目融资的概念、特点、风险分析、目的,以及商业银行在其中所扮演的角色,即财务顾问和组建银团贷款,并以多个案例来分析项目融资成功的原因,全面而详细地介绍项目融资的各个方面,并在此基础上讨论商业银行在项目融资方面的进一步发展。
In recent years, the project financing of commercial banks has been widely used in power generation facilities, high-grade highways, bridges, tunnels, railways, airports, urban water supply and sewage treatment plants and other large infrastructure projects. Successful project financing have brought not only economic returns to borrowers and lenders, but also promoted the development of society. Commercial banks in project finance has a special role, is the innovation of traditional commercial banking business in key areas, compared to traditional corporate financing model, borrowers prefer project financing, while commercial banks are more willing to participate.
I will introduce all aspects of project financing comprehensive and detailed.
本文将从项目融资的概念、特点、风险分析、目的,以及商业银行在其中所扮演的角色,即财务顾问和组建银团贷款,并以多个案例来分析项目融资成功的原因,全面而详细地介绍项目融资的各个方面,并在此基础上讨论商业银行在项目融资方面的进一步发展。
In recent years, the project financing of commercial banks has been widely used in power generation facilities, high-grade highways, bridges, tunnels, railways, airports, urban water supply and sewage treatment plants and other large infrastructure projects. Successful project financing have brought not only economic returns to borrowers and lenders, but also promoted the development of society. Commercial banks in project finance has a special role, is the innovation of traditional commercial banking business in key areas, compared to traditional corporate financing model, borrowers prefer project financing, while commercial banks are more willing to participate.
I will introduce all aspects of project financing comprehensive and detailed.
引文
1、肖林,《融资管理与风险价值》,上海人民出版社,2003版
2、史万钧,《银团贷款与项目融资实务》,上海财经大学出版社,2007版
3、朱咏,《商业银行财务顾问业务》,黑龙江人民出版社,2006版
4、张旭明等,《项目融资理论与实务》,中国经济出版社,1999版
2、史万钧,《银团贷款与项目融资实务》,上海财经大学出版社,2007版
3、朱咏,《商业银行财务顾问业务》,黑龙江人民出版社,2006版
4、张旭明等,《项目融资理论与实务》,中国经济出版社,1999版