基于logistic回归模型的地方融资平台贷款违约风险-分析

《基于logistic回归模型的地方融资平台贷款违约风险-分析》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、groupsis93．3％．Asforitspracticalapplication，wecananalyzeitsadvantagesfromtheperspectiveofcommercialbanksandtheperspectiveoffinancingplatformSthemselvesrespectively．Inthefirstplace，asfarasthebanksareconcerned，theformulaofcalculatingthedefaultriskrateofthelocalfinancing

2、platformsonthebaseofthelogisticmodelcanprovidereferencesonthecreditapprovalforthebankinginstitutionsinthenearfuture．Tospecific，thecommercialbankscanchoosetOreduceorstoptheofferofloanstothosefinancingplatformsofhighdefaultriskrate．Asaconsequence，thelimitedfundandresou

3、rcesCallbecollectedtogivesupporttothosefinancingplatformswhichhaveaexcellentperformanceindailyoperationandareinastablefmancialstatus，whosedefaultriskratearealsoverylowatthesametime．Furthermore，itwillalsobringmanybenefitsforfinancingplatformstomakegoo·duseofsuchmodel．

4、Forinstance，withconsultationwiththedefaultriskrateformula，financingplatformscandiscovertheirmainproblemsthatprobablyhavenegativeimpactontheiroperatingefficiencyattherightmoment，andtakemeasurestoaddresSthem，improvethesituation，andenhanceoperatingefficiency．Inparticula

5、r，theproblemsmaylieinthatthecapitalstructureisinappropriate，ortheleverageratioisSOhightoinducefinancialrisk．Inothercases，theoperatingcapacityofsomefinancingplatformsmaybeveryweakwhicharereflectedbytheirslowaccountsreceivableturnoverorinventorytumover，SOit'Swisertomak

6、eeffortstoenhancetheseturnoverrate，thusimprovingtheiroperatingcapacity．Keywords：LocalFinancingPlatforms；DefaultRisk；FinancingPlatformLoansIII目录第一章绪论⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯。⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．11．1选题背景及意义⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯一11．2国内外文献综述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯。21．2．1国外研究现状⋯⋯⋯⋯⋯⋯⋯⋯⋯

7、⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯21．2．2国内研究现状⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯31．2．3小结⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯，61．3研究思路、框架及创新⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯61．3．1研究思路与框架结构⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯61．3．2本文创新点及局限性⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯7第二章地方融资平台违约风险概述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯92．1地方融资平台的内涵⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯

8、⋯⋯⋯⋯⋯⋯92．2地方融资平台的特点⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯102．2．1政府主导，主要依托地方政府信用运作⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．102．2．2以城建投公司为主要融资载体，银行信贷是其主要的资金来源⋯⋯．．102．2．3融资平台贷款