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多种迹象表明,中国即将出现地铁和轻轨(以下称城市轨道交通)建设热潮,多家商业银行对参与该类项目贷款表现出浓厚兴趣。笔者认为,城市轨道交通项目经济效益差,偿债能力弱,商业银行宜全面考虑防范信贷风险和支持城市建设的关系,慎重参与城市轨道交通项目贷款。一、城市轨道交通
There are many signs that China is on the verge of an upsurge in the construction of subways and light railways (hereinafter referred to as urban rail transit) and many commercial banks have shown strong interest in participating in such projects. The author believes that urban rail transit projects have poor economic returns and weak solvency. Commercial banks should take full account of the relationship between preventing credit risks and supporting urban construction and take a prudent part in the loans for urban rail transit projects. First, the urban rail transit