The Research Of Loan Risk Management For A Bank SDW Nuclear Power Project

Since China has introduced project financing,this unprecedented financing method basically solves the problem that infrastructure lacks funds and makes important contributions to socioeconomic development.As a green and sustainable resource,nuclear power has a bright future because its efficiency greatly exceeds any other energy resource,so that nowadays Chinese government accentuates the investment and development of nuclear power program.Under this supportive circumstance,Commercial Bank is increasing the investment of nuclear power program.However,the project financing loan involves large amounts of money,and has features of long period as well as many variables.Moreover,Commercial Bank lacks deep understanding of project financing loan and has not built a comprehensive risk management system.Inappropriate project financing loan will lead the bank to risk.Therefore,it is very essential to thoroughly study the risk of project financing and the risk management of it during the overall process.The bank will profit a lot from project financing,greatly decreases the possibility of losing assets and increase the quality of bank assets if the bank strengthens the risk management of project financing.This essay,at the beginning,summarizes what project financing loan is and the theory of risk management in banking.By raising several real cases happened around her,the author recognizes and evaluates the possible risks that the projects have in the cases,and proposes the regulation of risk.At the end of the essay,the author gives operable suggestions about the risk management of project financing in Commercial Bank.The author hopes that this essay can help Commercial Bank to regulate the risk of project loan and limit the risk of it in a reasonable range.