Study On Risk Management Of Shantytowns Loan Project

In recent years,in order to ensure and improve people’s livelihood,the state has made great efforts to promote the construction of affordable housing projects.Shantytowns is not only an important form of protection of housing projects,but also an important content of people-centered new urbanization,is the key areas of the central and local government investment in the future for a period of time,it will become a new economic growth point.The shantytowns loan project has the characteristics of long cycle,large amount of financing,wide influence area,and easily affected by the change of national policy,which leads to higher potential risks.Therefore,the research of risk management of this kind of loan involves many aspects and many fields.Therefore,it is very important to establish a complete risk management system and how to prevent and control the risk.This paper reviews the research status of shantytowns project loans,operation mode and development status quo of bank loans shantytowns project investment based on the use of project risk management theory,combined with the actual situation and the work experience,analysis of existing shantytowns project loans for housing and land expropriation compensation and resettlement,environmental risk,construction risk security risk,project risk,risk management of construction of social inclusion,loan repayment risk and policy compliance risk,finally through the research exploration of optimization of risk management,put forward the policy of risk assessment,customer risk assessment,project risk assessment and evaluation of local government financial resources,to effectively reduce the degree of risk.The project risk assessment in the implementation of administrative licensing assessment,environmental assessment,fire safety assessment to screening compliance and reliable project to effectively avoid risk,environmental risk,compensation and resettlement for construction safety risk and social inclusion risk;customer risk assessment can guarantee the project construction management and loan repayment risk to a certain extent;the local financial resources assessment can guarantee the loan repayment risk;policy risk assessment can effectively guarantee the penggai project policy compliance.Achieve the goal of risk control.The identification of these risk factors and the corresponding evaluation points are feasible in practice,and provide reference for the bank shantytowns loan project,and also provide theoretical reference for the financing of shantytowns projects.In addition,this paper also put forward the local government solvency assessment methods,scientific analysis of local financial resources,reasonable evaluation of the government’s ability to pay,for the bank to control the development of space science shantytowns lending areas.This paper is divided into: the first part is the introduction,introduces the research background and significance,methods and contents;the second part is the present situation and problems of shantytowns project loans,including financing,loans shantytowns project status analysis and shantytowns loan risk management exists;the third part is the analysis of the risk of shantytowns project loans,mainly introduced shantytowns loan project risk identification,risk assessment and prevention and avoidance;the fourth part is the risk control of shantytowns project loans,this part through shantytowns project loans and loan pricing policy approval process compliance,the loan project risk effective control,to explore how to establish a sound risk control system,to minimize the risk of bank credit.