试论商业银行授信业务对民营高速公路项目的选择

Discussion on the Selection of Credit Business of Commercial Banks to Private Highway Projects

2008年后高速公路行业特别是民营高速公路行业的授信总量及授信余额在银行总授信中占了较大的比例。但由于民营高速授信管理难度较大,如果风险防控措施不足可能引发较大的银行系统融资风险,解决此问题很重要的一点在于银行建立起完善项目筛选决策机制。

Highway industry,especially the highway private industry total credit and credit balance in total bank credit in favor of the larger proportion since 2008.The private high credit management is difficulty.If the risk control and prevention measures are shortage,it could cause higher Banks financing risk.To solve the problem,the important thing is to establish and perfect project selection decision-making mechanism.