Research On The Risk Management Of Jinma Roller Loan Project Of Guangfa Bank Branch In Benxi

Project financing generally has a relatively large amount and a long period,the bank's project loan is the main source of fund for project financing and bears great risks in the entire project financing process.How the banking industry fully identifies and evaluates the risks of project financing loans and takes effective measures to prevent them in the process of project financing loans is of great significance to the sound management of the banking industry.This paper selected the Jinma roller loan project of Guangfa bank branch in Benxi.Jinma company is a private enterprise engaged in the mechanical processing industry in the Benxi area.Its leading products are steel structural parts,metallurgical equipment,various spare roll products and special welding products.Jinma company submitted a loan application to Guangfa bank branch in Benxi at the end of September 2017.Since the loan type of the company is a project loan and the amount is relatively large,Guangfa bank branch in Benxi started risk identification and risk assessment of the roller loan project to effectively control the risk of project financing loan.It is expected that the risk analysis of the Jinma loan project will be completed in 45 days.This paper is divided into four chapters: The first chapter is the introduction,mainly introducing the research background and significance of this article,the content and methods of research,literature review and theoretical basis.The second chapter introduces the risk identification of the Jinma roller loan project of Guangfa bank Branch in Benxi.This chapter mainly analyse the industry risk,credit risk,business risk,financial risk,corporate personal and equity risks,technical risk,completion risk of the loan project and market risk from the pespectives of the borrower and the project itself in the Jinma roller loan project of Guangfa bank branch in Benxi.The third chapter introduces the risk assessment of the Jinma roller loan project of Guangfa bank branch in Benxi.It includes three parts: the qualitative assessment,quantitative assessment,and assessment results of the loan project.Through the qualitative and quantitative assessment methods,combined with the specific characteristics of the Jinma roller loan project of Guangfa bank branch in Benxi,the objective evaluation is conducted.The fourth chapter introduces the risk control of the Jinma roller loan project of Guangfa bank branch in Benxi.Specifically,it includes the risk control principles,systems,and control measures for loan projects.Based on the results of risk identification and risk assessment,effective measures are taken from the three aspects of the loan project before the issuance,the process of granting the loan,and the issuance of the loan,making efforts are to control the financing risk of the Jinma roller loan project of Guangfa bank branch in Benxi.This paper takes the Jinma roller loan project of Guangfa bank branch in Benxi as an example to study the risk management of project financing loans from the perspective of commercial banks.Using project risk management theory and bank loan risk management theory,through risk identification,it is analyzed that the main risks of Jinma roller loan project of Guangfa bank branch in Benxi are industrial and technological risks;in the process of quantitative assessment,Jinma roller loan project was identified through sensitivity analysis.It is sensitive to the changes in sales revenue.It is necessary to pay close attention to the sales changes after the project is put into production.Through risk control,it designs a series of risk control measures and control points before and after the Jinma roller loan project is issued,during the loan issuance process,and after the loan is issued.This article uses specific loan projects as examples to design methods for risk identification,risk assessment,and risk control of loan projects,and provides suggestions for improving the working level of credit risk management for commercial banks.