Project Evaluation On Thousand Tons Of High Dispersion Silica Of LX Limited Company

As the main income source of the bank,Asset business has been in an importantposition in the development of the banking institution. To China Construction Bank,loan project, since it appeared, has always been an important asset business. Byconducting the objective, impartial and scientific assessment to the loan project,whichwill take the potential impact on the asset business of the bank, we can provideimportant basis to the credit decision, avoiding or reducing errors in decision-making,improving the investment benefit, guaranteing the safety of credit capital operation,enhancing the supervision on the project procedure and ensuring the security andstability of the expected return, and thus we can ensure the economic efficiency andsustainable development of the commercial bank.This project stands on the bank credit operator ’s point of view, in accordancewith the project assessment approach of China Construction Bank, to assess thespecific project of the bank. The thesis is selected on the base of the210000tons/year of high dispersion silica project (70000tons/year in the first and second phase)of LX chemical industry limited company. CCB will determine whether to support theproject by loans by analysing.Firstly,this project summarizes the basic theory of project evaluation, and presentresearch situation. On this basis, combined with the characteristics of project,developed a practical program evaluation scheme, from the social influence of theproject feasibility, basic conditions, technical feasibility and economic feasibility.Then, After evaluation and draw the conclusion, the project constructioncondition is that agreed to grant a loan of290million yuan to support the loanrepayment period of4.10years, the interest rate the implementation of the3-5yearbenchmark floating5%, by way of security: the company’s existing assets, mortgage,mortgage rate of implementation of the land and Housing not more than60%; machinery and equipment does not exceed30%; insufficient part of the largestshareholder of the country equity Liu pledge, the pledge rate does not exceed60%.However, in the project implementation process should pay attention to thefollowing question: first, this project technology continues to improve, The world ofwhite carbon black dispersion, overcome gel production technology research andimprovement are still ongoing, the problem has not been fundamentally resolved. Theproject technology although mature, but is still in continuous improvementphase.Therefore, this project technology has risks; second, the project constructionperiod is longer, vulnerable to the impact of market risk of additional budget deviationrisk, The construction project in three phases, built four years, by domestic buildingmaterials to rise in price influence, project investment risk of large deviations fromthe budget; third, project of internal and external risks give risks to the constructionbank.. The existence of the project internal and external risk requires the constructionof bank more related to risk for each analysis, set up corresponding risk mitigationmeasures, and the project continued to visit the monitoring, in loans in lateenhancement project post evaluation, in order to guard against the risk.