Research On Risk Control Improvement Of Capital Construction Loan Of CCB Jilin Branch

In the past ten years,various capital construction projects have developed rapidly,making great contributions to stabilizing the economy and stimulating domestic demand.The manufacturing innovation center construction project,intelligent manufacturing engineering,industrial strong foundation engineering mentioned in "Made in China 2025" all involve a series of infrastructure construction.Based on the characteristics of infrastructure construction,the initial period requires a large amount of capital,high investment,and long payback period.Therefore,in the financing process of infrastructure construction projects,the project side compares the cost of capital,except for the lower cost of shareholder loans,only commercial banks can Provide them with full financial support and a reasonable repayment period.However,in the process of providing financial support,if commercial banks fail to make adequate risk predictions for capital construction loan projects,it will not only affect the security of credit funds of commercial banks,but also may adversely affect the orderly construction of infrastructure.The impact is even hindering the pace of China's rapid and sustainable economic development.This paper provides some valuable suggestions and references for the risk management of the construction loan of CCB Jilin Branch through the risk analysis of the capital construction loan of China Construction Bank Co.,Ltd.Jilin Branch,ensuring the security of credit funds and orderly construction of service projects.Normal,continue to empower China's economic growth.This paper takes the research object of Jilin Province Branch of China Construction Bank Co.,Ltd.,firstly learns the research theories and achievements of capital construction loans from domestic and foreign scholars,and understands the theoretical knowledge related to the basic construction loan business,and combines the branches of Jilin Province.The current situation of the control of capital construction loans and existing problems,analyze the internal control deficiencies and major risks in the risk management of capital construction loans in Jilin Province,and analyze the root causes of the problems in depth and analyze the essence.Finally,combined with the regional economic characteristics of the Jilin branch and the overall strategy of the credit structure adjustment of the Jilin branch,the reconstruction measures for the risk management of the capital construction of the Jilin branch were given,and how to guarantee the various systems,organizations and technologies.Based on the data related to the capital construction loan business of the Jilin Branch of CCB,this paper uses the literature analysis method,comparative analysis method and empirical research method to adhere to the principle of linking theory with practice and the risk management of the capital construction loan of the Jilin Branch of CCB.Discuss it.The research results provide an optimized direction for CCB Jilin Branch and how financial institutions can effectively manage risk in the field of capital construction loans.