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根据国际货币基金组织的定义,压力测试是指承受罕见但是仍然可能的宏观经济冲击或者重大事件的过程。压力测试的目的是评估银行在极端不利情况下信贷资产(组合)的亏损承受能力,并以此估算突发的小概率事件等极端不利情况可能对其造成的潜在损失。当前农发行地方政府融资平台贷款在经济下行和国家银根偏紧的宏观政策背景下,存在较大的不确定性风险。本文通过对部分平台贷款进行压力测试,以了解农
According to the International Monetary Fund, stress testing refers to the process of taking a rare but still-probable macroeconomic shock or major event. The purpose of the stress test is to assess the bank’s ability to withstand a loss of credit assets (portfolio) under extreme adverse conditions and to estimate potential losses that could be caused by extreme adverse conditions such as sudden, small-probability incidents. At present, the ADPL financing platform for local government loans in the context of the economic downturn and the tight monetary policy of the state macro-policy, there is a greater risk of uncertainty. In this paper, some platform loans through stress tests to understand the agricultural