Research On Risk Management Of Jiulong Steel Structure Company Loan Project Of Longfeng Rural Bank

Risk management is an indispensable part of banking financial institutions in asset management activities.The quality of risk management directly affects the profitability of banking financial institutions and the safety of assets.It also determines the future and destiny of financial institutions.Good risk management can reduce the loss of assets,bring stable economic benefits to financial institutions,and promote sustainable and healthy development.Along with our country economy development speed,the domestic market economies have sprung up in many small and micro businesses,they are moving in the direction of specialization,scale and rapid development,financing needs are also increasing.However,most of these small and micro businesses are unsecured.So most of them face the problem of “financing difficulties” to Banks.Longfeng rural bank is a new type of rural commercial bank,the fundamental purpose of which is to provide financial services for small and micro businesses in rural areas.In the face of the numerous unsecured guarantee of small and micro businesses loans,the real risk management is one of the difficulties in the operation and management of Longfeng rural bank.Mountain in rural Banks established time is short,thin risk prevention,risk prevention mechanism is not sound,the operation of rural Banks and sustainable development to bring huge threat,therefore,research on risk management of rural bank loan project of is very be necessary!This article will take “Longfeng rural bank Jiulong steel structure company loan project” as the case to carry out the loan risk management research and analysis.By Jiulong steel structure company loan risk assessment and risk control of the project,you can find Jiulong steel structure company loans in the process of potential risk factors,analysis of the risk formation of specific reasons,find out the corresponding risk prevention measures,and the risk monitoring,again to control risk,thus achieve the purpose of reduce risk.During the research and analysis of the project,we always hold the principle of mutual coordination between qualitative and quantitative research under the circumstances of the relevant research literature,and the comprehensive application of systems engineering and management theory and other theories and methods to realize the research,especially the credit risk related to project management and project risk management We should carry out effective research,analysis and application exploration.The research content mainly focuses on four aspects of the risk identification,analysis,evaluation and control of the loan project of Jiulong steel structure company,relying on the theoretical knowledge of loan project risk and project risk management,the related system of village bank loan management and the related regulatory system of the Banking Supervision Bureau,according to a large number of documents and The actual situation of the survey,analysis of the existing problems,identify the risk management factors of long long steel structure company loan project,and evaluate the risk of the loan project,and put forward the concrete measures for the risk management of the loan project in view of the evaluation results.Through the Longfeng rural Banks Jiulong steel structure company loan risk project development present situation and existing problems of in-depth discussion and research,can be Longfeng rural Banks next small micro businesses loan risk management to provide strong support.Risk management reduces losses and increases profitability.In turn,small and micro businesses will get credit funds in production and operation,which will eventually lead to a virtuous circle of small and micro businesses loan projects,realizing the “win-win” between Banks and small and micro businesses.Therefore,it is of great practical significance to research on risk management of Jiulong Steel Structure Company loan project of Longfeng rural bank.