Research On Loan Risk Management Of Government Purchasing Service Items From The Perspective Of Commercial Banks

With the development of the market economic system,the state drives domestic demand through the means of macro regulation,for example,the structural reform of the supply side is a plan to stimulate the economy in view of the contradiction between supply and demand.With the in-depth implementation of the relevant systems and measures,the local government faces new opportunities and challenges in the economic development.The traditional model has not adapted to the central investment project of financial funds.Because the public services purchased by the government are mostly non operating items,no operating cash flow and no operation period,the project purchase funds are incorporated into the government budget to make up for the projects that depend entirely on the government financial funds,and the issuance of [2014]43 is limited by the government.At the end of 2015,the XX bank studied the government purchase service loan in this context.On the basis of reading a large number of relevant documents at home and abroad,through the detailed analysis of the loan for the construction and purchase of service projects in the construction of XX bank reservoir,this paper points out that the main external risks of the government purchase of service loans from the perspective of commercial banks are the participation of government behavior,the excessive concentration of the loan investment industry and the poor ability to pay the debt of the financing subject itself,the internal risk is mainly over credit,and the management is not to be managed after the loan.A.It also proposes to strengthen the construction of the government credit evaluation system,establish the guarantee mechanism of the ability of the government debt repayment,pay attention to the external risk control measures,such as the management and performance evaluation of the main body,and implement the risk control measures,such as the risk limit management,and the strengthening of the post loan management.The study of this paper will provide a theoretical reference for the organic combination of commercial banks and government purchase,which will help the operation of capital flow and risk prevention,and promote the development of local government financing in a positive and orderly direction.