地方政府融资平台贷款风险分析与控制

地方政府融资平台贷款风险分析与控制
摘  要: 地方政府融资平台贷款是地方政府在长期内进行资源配置的重要手段，有力的推动了各地城市化建设步伐，特别是在当前为保增长、扩内需、促稳定及应对国际金融危机等方面发挥了重要作用。但目前地方政府融资平台贷款的迅猛增长，也潜伏着不小的风险。本文通过对地方政府融资平台的模式、运行结构以及贷款类型进行分析，探讨了地方政府融资平台贷款的风险的具体表现，理性得出银行不用过度扩大化政府融资平台贷款的风险，并分别从银行和政府角度给出了如何控制风险的措施。 本文对确保我国各地城市化建设过程中信贷资金的合理使用、建设项目的顺利进行，促进我国地方政府融资平台的健康发展具有一定的借鉴意义。

关键词：地方政府融资平台；贷款风险；控制

Abstract:  Local governments financing platform loans are important means for governments to carry on resource allocation in the long term, which push forward the urbanization construction of various regions firmly. Especially in the terms of guaranteeing growth, expanding domestic demand, developing stability and coping with the international crisis, it has been playing an important role. However, nowadays local governments financing platform loans has gain a large augment. It is obviously that enormous risk is hiding behind. This article aims at discussing the mode, operating structure and loans types of local governments financing platform, then it states the specific forms of borrowing risks, and draws a conclusion that there is no need for commercial bank to worry about the risks exceedingly. At last, it provides some suggestions to control these risks for both governments and banks. This will be significant for the reasonable using of the finance for urbanization construction, the project progressing and the development of local governments financing platform．

Keywords: local governments financing platform;  borrowing risk;  risk control

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