Research On Project Loan Risk Of Changchun Southeast Thermal Power Plant

Electric power industry is the most important foundational energy industry of the national economic structure, and it is the first basic industry as well as an important pillar industry of national economy. It is related to the national economy and people’s livelihood and a large number of key industries, and it is priority to the development of world economic development strategy. The power industry has played an important role in promoting the development of national economy and social progress, and has a very close relation with the social economy and development. This paper can provide a valuable reference to commercial banks’ evaluation of the electric power enterprise construction projects related to loan by relevant credit risk management, and has important significance for reducing the possible credit risk and improving robustness of the credit risk. On the basis of commercial loan management theory, combined with the actual power projects credit financing case, this paper put risk prevention on the important position of commercial banks’ project loan risk management. Only based on her erperience and pracical cases, the author introduces the actual working process, risk analysis and protection measures, to find problems, put forward the proposal, raise the level of project loan credit decisions by analysis and argument.In detail, this paper studies the southeast changchun thermal power plant project credit risk analysis and management from the following aspects. The first part is the introduction, in this part, the paper expounds the research motivation, research background, research significance, the method and main content of the southeast of changchun thermal power plant project credit risk management as the overview and lead what follows. The second part is theory analysis of commercial loan risk management. This paper introduces the connotation and understanding of the related theories, and the history of the international financial regulation. Based on that, the author expounds the problems existing in the electric power project loans, and explores the causes of the problem, and puts forward the solution to the problem, in order to lay the important theoretical foundation of this research. Based on the first and second part, the third part introduces the case and analyzes the southeast of changchun thermal power plant project, and introduces the main problems in credit risk management in detail, in order to improve continually. In the fourth part, the author makes risk assessment of the southeast of changchun thermal power plant project completely, and makes the corresponding credit risk precautionary measures. Furthermore, the author builds good control environment for the southeast of changchun thermal power plant project credit risk management. The fifth part is the summary of the paper. In this part, the author makes conclusions, and finds the lack of research, finally puts forward outlook for the further study.