论文部分内容阅读
一般讲,基础设施项目建设是指对能源、交通、邮电通讯及城市基础设施等项目的投资建设。其特点是资金密集、投入量大、回收期长,难点在提高融资和投资效益。如何加强对基础设施建设贷款投入,搞好基础设施建设贷款的调控和管理,保持信贷资金良性循环,有效支持国民经济高效快速发展是银行面临的新课题。一、基础设施项目贷款的特点(一)资金投入大,投资来源多。由于基础设施多指社会公益事业的基础产业建设项目,其总投资规模较大,所以对贷款需求的绝对数额也较其他类贷款多。基础设施项目的资金来源主要有项目单位资本金、自筹资金、发行债券、银行借款、利用外资等。银行借款按资金来源不同又分为境内贷款和境外贷款。
In general, infrastructure projects refer to the investment in energy, transportation, telecommunications and urban infrastructure projects. Its characteristics are capital intensive, large input, long payback period, the difficulty is to improve financing and investment returns. How to strengthen the investment in infrastructure construction loans, improve the regulation and management of infrastructure construction loans, maintain a virtuous cycle of credit funds, and effectively support the rapid and efficient development of the national economy are new topics facing the banks. First, the characteristics of infrastructure projects loans (A) invested heavily in sources of investment and more. Since infrastructure mostly refers to the construction of basic industries for public welfare undertakings, the total investment is large, so the absolute amount of demand for loans is also larger than that of other types of loans. Funding for infrastructure projects mainly includes the capital of the project unit, self-raised funds, bonds issued, bank loans, utilization of foreign investment and so on. According to the different sources of funds, bank loans are divided into domestic loans and overseas loans.