Researches On Project Risk Management Of Jiahao Properties Ltd’s Loan Of RMB50Million

The movement of the credit assets， such as separation of ownership and repayment ontime， will be subject to the macro-policy， the natural conditions， economic developmentand unforeseen and uncertain human factors in real life， resulting in failure to recover theprincipal and interest in due time and the depreciation of the credit assets. Real estate loansgenerally are a huge amount with more complex impact factors，which often results in greatercredit risk. With the global economic integration of all commercial banks， how to effectivelymitigate credit risk is becoming a pressing practical problems of the majority of financeworkers urgently， especially by the larger background of the U.S. subprime mortgage crisis.This article first analyzes why real estate loans are the bank’s great risk source and thesignificance of risk management study for banks， then summarizes the theoretical study ofthe status of project risk management domestically and internationally， on whose basis thisarticle conducts a study on the project risk management of JiaHao Properties Limited’sRMB50million loans. Firstly，for the specific circumstances of the project，this thesis effectsproject risk management planning，following project risk identificationâ†'risk analysis andevaluationâ†'risk response—this risk management process to conduct research on the loanproject’s credit risk， technology risk， market risk and financial risk. This paper analyzesspecific issues， takes corresponding entry points to different risks for argument， andformulates effective risk responses. The conclusion part is the generalization of this study，pointing out the thesis’s innovation ideas.