The Study Of Cases Of Guangzhou A Bank's Credit For The Program Of MG "San-jiu" Reconstruction

In this paper,based on the case of the A Bank of Guangzhou for the three old transformation project of MG,this paper analyzes the preference of the Guangzhou A bank to make full use of its own natural advantages,follow the guidance of the urban development policy,and seize the business development preference of the three old transformation business market.This paper probes into the common problems faced by the Guangzhou A bank in dealing with the common problems in the three old transformation projects and the solutions to the personality problems,and provides a reference for the same industry to develop this type of business.The three old transformation has strong government behavior endorsement.It is an effective way to improve the land use rate in the process of big city development.It is also a way to rearrange urban resources by guiding the social capital and participating in the development of the city through the guidance of the government.Therefore,every commercial bank actively seeks to participate in the three old transformation projects of the city.According to the project situation,the key to the success of the three old transformation projects is to provide the credit fund with the amount and time limit.The A bank in Guangzhou is the reform of the rural credit cooperatives serving the local economy of Guangzhou.It has a natural close relationship with the village society.The three old transformation project is a kind of business type supported by the policy of credit.According to the Guangzhou MG three old transformation project,Guangzhou A bank defines the core risk by combing the risk formation process,designing the innovative risk control means,and finally successfully landing and changing the project.This paper begins with introducing the background and sigificance of the research,then elaborates relevant theories and literature review.Secondly,the paper studies in detail the basic situation of MG project,the main body and mode of transformation,then describes the natural advantages of Guangzhou A Bank in the credit of the Three-Old Transformation Projects,and the credit plan of MG project.In following,from the perspective of credit risk assessment of commercial bank's project,the study analyzes the rationality of risk control of the reform project and the balance of risks and benefits of the three-old transformation projects.The study found that: first,the three-old transformation are one of the driving force for Guangzhou's urban development in the future,and commercial banks are the major source of funds for such transformation.Second,only via in-depth exploration of the history of the project,excavation of the core risk points of the project,clarification of the role of relevant stakeholders in the project can commercial banks devise a reasonable control program for project credit risk.Third,commercial banks can obtain real benefits and implicit future earnings from the three-old transformation projects,and then realize a balanced relationship between risks and benefitsof the project.In the end,general suggestions on the credit of commercial banks in the three-old transformation projects are put forward.