Research On Risk Management Of Highway Loans In China Development Bank H Branch

China Development Bank is a significant developmental financial institute in China.The main function is assisting national policies and local industrial development.The level of risk management is so important that it determined whether the developmental effect can function well.Optimizing and improving the risk management ability of China Development Bank can promote the revolution of development finance.The main purpose of this paper is to reduce the overall level of risk,complete the risk management system,and help the branch into the next step.Meanwhile,it can promote H branch to accomplish the role of government policy and serve the highway construction within H province and the economy development.Research on risk management of developmental financial institute,especially on the major infrastructure areas such as highway project,can help to guide the developmental financial institute on practicing risk management and lead to a better sustainable development.Through the analysis on highway loans of China Development Bank H branch,we can conclude that highway industry face multiple risks such as completion risk,policy risk,interest rate risk,market risk and management risk.H branch is restricted by the high loan concentration on highway project,improvement on anti-risk capability and enhancing risk management level is badly in need of.After analyzing the specific risk management issues of highway loan,we come up with solutions accordingly,in which can be good to the highway constructions across the province.