The Research Of J Bank XX Branch Of Rural Road Network Construction Loan Risk Managemen

The highway is an important infrastructure in rural areas.has irreplaceable basic and leading,the rapid development of rural roads,to solve the "three rural issues",rapidly improve rural production and living environment,accelerate the adjustment of rural industrial structure play a positive role.The construction of rural road network is the largest scale,the largest investment and the widest range of the rural infrastructure construction since the founding of the PRC,which reflects the concern of the Party Central Committee to the interests of the farmers.However,the rural road network construction is a systematic project,a large number of financial needs and future prospects for the future development of rural financial market,to promote the innovation of commercial banks in rural road network construction project loan business.Because the business is in the initial stage,has not yet formed in line with its characteristics of risk assessment system,loans are often suffered a difficult to recover the risk,so the risk management of the project is very important.In addition,rural road network construction,the risk factors also involves various factors of macro environment risk,project risk,risk of the borrower,the bank internal risk,and in the establishment of risk management measures,also need according to the characteristics of rural road network construction,and the risk factors of the actual situation,the establishment of risk management measures.The research of J bank XX branch of rural road network construction loan risk management in this thesis,firstly,from the macro level analysis of the related theories of project risk management of the loan,revealing the features of rural road network construction projects,combined with the general method of financing risk of commercial bank loan project identification,the various risk factors in rural areas the road network construction project loan classification,hierarchical recognition.Using fuzzy analytic hierarchy process(FAHP)theory on the basis of risk analysis,on all levels of risk factors on the risk degree of the whole project to sort,complete the construction risk evaluation index system.The risk identification,risk assessment indicators through the case of rural road network construction in the form of analysis,to achieve the combination of theory and practice,and effectively guide the purpose of the application.Finally,combined with the results of risk identification and risk index system construction,in the process of loan,using the general method of risk prevention,put forward the suggestion of risk prevention.The loan project risk prevention is an important part of J bank effective risk management,this research was designed to reduce the J bank XX branch of the rural road network construction project loan risk,to provide a reference to improve the operating efficiency of bank funds.(1)starting from the new rural road construction project content,find the characteristics of the new rural road network construction project.will evaluate the risk assessment from the borrower's risk,project risk and market risk in three aspects,and refinement in each aspect,establish five level risk index system.The risk from large to small,from complex to simple,from the abstract to the specific hierarchical decomposition and definition,and through the expert scoring to find the specific indicators of risk described,and the different levels of scoring.In order to make the risk assessment more operable,the FAHP analysis method is used to rate the risk of each level decomposition,so as to achieve the weight of each level risk index.(2)the risk prevention strategy of the general principle of the use of the new rural road network construction project loan risk according to different levels,different strategies in the loan before the loan,the loan,mainly three aspects of the proposed strategy.At the same time,also put forward ideas for financial innovation and financial institutions,the local government should provide a good information platform for the new rural road network construction,so as to provide better financial environment for financial institutions,will promote more commercial banks more actively carry out related business.(3)in the case of the loan mentioned suggestions of risk control,including loans,loan review,loan management,risk diversification,sinking fund,period of adjustment and hedging,and puts forward some concrete proposals for management,quota management,loan approval and loan for the project.