Ordos City Present Situation Of Local Government Financing Platform Loans And Risk Research

Since1998, our country started financing loans, especially after2009, the local government financing loans rapidly and comprehensive developed in our country. By the end of2010, there were local government financing platforms more than10,000, more than late200825%., the County (including county-level cities) platforms accounted for about70%. At the same time, financing loans in Renminbi loans accounted not more than30%. Through this platform, the local government has widened financing channels, accelerated urbanization, optimized the structure of loans, and played an important role in expanding domestic demand and coping economic crisis. The bulge of scale of Local government financing loans has overawed responsibility of local public finance, and brought hidden danger to credit funds. It also causes bank credits financial and monetary problem. The supervised departments and commercial banks had paid close attention to its hidden risks. On National People’s Congress and Chinese People’s Political Consulative Conference, the supervision of risk in Local government loans financing Platform was mentioned again. How to evaluate and prevent beforehand risk in Local government financing loans is a problem that needs to be resolved by the commercial banks. First this text overview and analyze the nationwide development of Local government financing loans and Local government loans financing Platform of ICBC. Then introduce the development of Local government financing loans of ICBC Dongsheng sub-branch. Finally, analyze the risks of local financing platform and reasons, also propose some measures and recommendations of strengthening and improving local government financing of credit risk management.The content of this article is made up of five sections. First part is introductory. Including topic selection background and significance, literature review, research purposes subject research, theses, research methods and frame structure. Overview of the second part is the local government financing loans. Respectively the definition of local government financing of positive, local government, local government financing loans financing platform for a brief overview of the historical background. Third-part of Ordos city development present situation and existing problems of local government financing loans. Includes er local government financing loan significance, Ordos city local government financing loans for the development of the development situation, er of local government financing and the cause of the problem. Part IV describes dongsheng branch, industrial and commercial bank loan risks to the development and financing platform. First introduced the concept of local government financing loans, then describes the industrial and commercial bank of dongsheng branch dongsheng sub-branches, financing development, industrial and commercial bank of loans the Government financed loans business management, analyses risks to the last. Part five is the standard er recommendations of the local government financing loans and risk solution. Author for standard er, resolve Ordos city local government financing of local government financing loan loan risks, in order to improve ICBC dongsheng sub-branches, Ordos local government financing loan business management approach makes a number of recommendations.