| The non-standard asset investment business has brought many benefits to banks and companies.It also exposed many risks.More than 80%of non-standard assets of Bank Z have been invested in local government platform companies such as City Investment Corporation.With the increase of local government debt risk and the increase of supervision,the risk issue among them has become more severe.However,at present,researches on non-standard business risks mostly provide policy recommendations for regulatory agencies from a macro perspective,and lack of a combination of bank perspectives and the actual situation of urban investment companies.Therefore,in conjunction with specific project cases,the research on risk of urban investment non-standard assets has become a problem that Z Bank needs to solve urgently.First of all,through reading the non-standard business risk literature,we conclude that when banks invest in urban non-standard projects,they mainly face credit risk,management risk,operational risk and liquidity risk.Secondly,it analyzes the current status of Z-Bank's business development and risk management,and finds that non-standard projects have greater and more hidden risks than traditional loans to banks,but Z Bank has unreasonable risk assessment systems in risk management.Professional risk management talent shortage and dynamic risk management work is not in place.Then according to information asymmetry theory,bank run theory and comprehensive risk management theory,it is proposed that Z Bank should establish a multi-level non-standard project risk assessment index system for urban investment companies,join regional economic risks and policy risk factors,and use fuzzy comprehensive evaluation method.Calculate the project risk level,and follow-up management by improving the risk review responsibility mechanism and adjusting the post-lending liquidity management plan.Finally,the case of the "T-city investment" non-standard project was analyzed:After analyzing the major sources of risk of T-city investment,it was found that the credit risk of the project was affected by the economic environment and national policies of the T zone.Therefore,the above-mentioned risk assessment index system was used.The fuzzy comprehensive evaluation method comprehensively evaluates the risk of T-project investment projects and concludes that the overall risk of the project is low.In the risk review section,the head office is recommended to clearly divide the powers and responsibilities of each department according to the review process to ensure the responsibility of each link.Implemented to people;in post-loan management,it is recommended that branches increase the frequency of non-scheduled inspections,determine different time-based management modes based on the length of time from the expiry date,and formulate emergency plans for the project,when T-city investment may be breached.In the event of a major incident,the contract was suspended in a timely manner and the guarantee system was activated.The study concluded that non-standard funds of Z Bank were mainly invested in urban investment enterprises,but lacked a targeted risk assessment system.The fuzzy comprehensive evaluation method can comprehensively consider various risk factors such as the enterprise and the local government,and can quantitatively analyze the risk indicators through the connection of the membership matrix,so it is suitable for the risk assessment of such projects.After assessing project risks,Z Bank also needs to focus on operational risk,information asymmetry risk and liquidity risk in the follow-up links,and conduct systematic risk prevention and control.In addition,the promotion of standardization of non-standard products and the establishment of a unified non-standard asset trading market can effectively reduce the liquidity risk of non-standard assets,and also meet the development needs of Z Bank and the entire financial market. |
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