为了缓解中国北方水资源严重短缺局面，国家提出南水北调重大战略性工程。随着
国家南水北调整体工程的逐步开展，各沿线城市必须建设配套的地表水处理厂作为南水
北调整体工程的配套设施建设。近年来，全国各地尤其是南水北调沿线地区纷纷新建地
表水处理厂，以满足日后处理南水北调水源需求。所以地表水厂项目在未来一段时间内，
不仅是各级政府重点投资项目之一，也是各企事业单位不可或缺的投资机会，同样也会
是商业银行主要营销的项目之一，故该类型项目的信贷风险评估就显得尤为重要
论文通过因素分析、理论和实证相结合的方法，以 Z 地表水厂投资项目贷款风险评
估研究为实例，从项目贷款风险评估的内容和流程着手，对该项目评估采用一套较为全
面的中长期项目贷款风险评估方法对其风险管理进行分析。首先，按照评估要素内容对
该项目进行充分论证评估，根据评估结果找出该类型项目评估中出现的信贷风险点并提
出解决该风险的方案。本文以实例作为出发点，通过积极探索优化风险管理手段，达到
提高风险管理水平的目标。最终的目的为银行对该类型项目贷款风险评估提供有价值的
参考和帮助，在有效的风险管理前提下推进项目评估工作，从而获得更多信贷投放机会，
在获得更高收益的同时，降低信贷不良风险
论文的主要论述内容分为以下几个部分；第一部分是绪论，主要介绍了论文的研究
背景和意义、国内外研究现状及本文的创新；第二部分是项目贷款风险项目评估的理论摘要
II
概述，包括项目贷款风险评估的相关概念和主要内容、评估方法；第三部分是研究 Z 地
表水厂项目贷款风险的要素评估；第四部分 Z 地表水厂贷款风险的综合评价并相应的给
出该类型项目评估建议
关键词 项目贷款 项目评估 风险管理Abstract
III
Abstract
Commercial banks are the financial institutions that are established according to the law,
which manage money and credit business. safety, liquidity and profitability are the operating
rules of commercial Banks and the safety is the first operating principle. So, the Banks&39; credit
risk management plays an important role in the development of banks. In the aspects of the
balance of credit risk and Banks&39; earnings, scientific credit risk management is indispensable.
And project loan, as one of the most important credit varieties in domestic banking industry ,
is particularly important to the guide of direction of the risk management. Increasing
competition, more and more complex internal and external economic environment makes
banks faced with certain challenges in the aspect of project loan business after the national
economy into the “new normal” period . in recent years, the county vigorously promotes
“PPP”mode and “government purchasing services”model to the construct the local
infrastructure construction and encourage social capital to these areas. The change of business
environment makes the bank faced with some challenges in terms of project loan business, at
the same time it put forward higher requirements to the the corresponding guidance for
project loan and credit decision-making project loan risk assessment.
To alleviate the serious situation of the water resources shortage in northern China,the
country put forward the south-to-north water diversion project. As the country gradually
develop the whole project, the cities along the project must have matching surface water
treatment plants. In recent years, lots of cities especially the areas along the south-to-north
water diversion project construct new surface water treatment plants in order to satisfy the
demands of the processing of surface water in the future. So the surface water treatment plant
project in a certain period of time in the future, is not only one of the key investment projects
at all levels of the government, but also an indispensable investment opportunity for all
enterprises and institutions. And it is also one of main marketing projects in commercial
banks. therefore, this type of credit risk assessment of the project is particularly important.
In this paper, through the combination of theoretical and empirical method, using theAbstract
IV
study of investment project loan risk evaluation of the surface water treatment plant Z as an
example, starting from the content and process of loan project evaluation, a set of
comprehensive medium and long-term loan project evaluation method is used to analyze the
risk management . First of all, the project is fully demonstrate and evaluate according to the
evaluation elements content. Then, according to the evaluation results, the credit risk in this
type of project evaluation is found out and solution of the risk is put forward . This article
makes a real example as a starting point, through actively explore and optimize the risk
management method to improve the level of risk management. The ultimate goal of the article
is to provide the banks with valuable reference and help in this types of loan project risk
assessment and to promote the project evaluation work under the precondition of effective
risk management in order to gain more lending opportunities with higher revenues and less
credit risks.
The main content of this article is divided into the following several parts; The first part
is introduction, which mainly introduce the background and significance of the thesis,
research status at home and abroad, as well as this article&39;s innovation; The second part is the
the theory overview of project evaluation of project loans, including the related
concepts ,main content, and evaluation method of project loan evaluation; The third part is the
study of factors evaluation of the project loan risk in Z surface water treatment plant; The
fourth part is the comprehensive evaluation of Z surface water treatment plant project and a
evaluation suggestion of this type of project.
Keywords project loans; project evaluation; risk management目 录
V
目 录
第 1 章 绪论·1
1.1 研究背景和意义 ·1
1.1.1 研究背景 ·1
1.1.2 研究意义 ·1
1.2 国内外研究文献综述 3
1.2.1 国外研究综述 ·
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