Research On Risk Management Of Project Loan Of Fushun Mining Group In Postal Savings Bank

The postal savings bank in Hongkong since the successful listing,pay more attention to the development of diversified businesses,support local economic construction,multilateral cooperation with local government,large state-owned enterprises,to provide a full range of financial services,boost the development of local economy.The postal savings bank of Fushun branch to revitalize the northeast old industrial base as an opportunity,in response to the national strategic plan,to provide financial support for local large industrial enterprises,at the same time for the development of large business sector,looking for new profit growth point,in the project development process for a variety of uncertain risk,in-depth analysis,put forward to prevent financial risk measures,to ensure the bank loan funds safety,while providing a full range of financial services for the enterprise,to provide suggestions for the healthy development of enterprises.This paper consists of three parts: firstly,briefly introduced the background and the core competitiveness of enterprises by Fushun mining group,Fushun mining group and the loan to the project risk evaluation,analysis pointed out that this kind of business risks;secondly,through the overall evaluation of enterprises,analyzed the problems of the project loan the risk points,and in-depth analysis of the risk points,mainly from three aspects of enterprise internal and external reasons,financial risk cause analysis;finally,combined with the current related our bank system,the existing risk,put forward specific measures for risk prevention,respectively describes the perspective of project loan non controllable risk prevention measures,project loans controllable risk prevention measures,the postal savings bank on the business risk control level and the postal savings bank Four angles to put forward the relevant risk prevention measures.The economic management theory as a guide,the specific research methods is mainly related to the analysis of the combination of qualitative and quantitative methods,describe the discovery process and the idea of the problem,analyze and solve problems,and with the corresponding tables and pictures to illustrate possible vivid,easy to understand,the credit the process can be clear at a glance;and the use of empirical analysis,that in my line of Fushun mining group project loan business subject introduces two methods of alternate use of credit risk control analysis.regulation,the establishment of guarantee system,by the government to guarantee business loss compensation,the guarantee mechanism of duty-free policy in a series of risk sharing and compensation system,the policy level of our needle for the financing guarantee industry development ideas have been gradually clear,the goal is clear.This article is limited to the business operation strategy of the entity case study,to this kind of content not to do too much discussion.