Research On Risk Management Of Tengzhou Rural Commercial Bank's Loan Project

This paper takes Tengzhou Rural Commercial Bank of Shandong Province as the research object,analyses the risks existing in the bank's loan project management,and calculates the effective measures to avoid risks and improve the management level.The first part discusses the research background and significance of loan project risk management of rural commercial banks,and clarifies the research results obtained by scholars at home and abroad in this regard.The second part analyses and summarizes the theoretical basis of loan project risk management,defines the conceptual characteristics of project risk,project risk management,rural commercial banks,loan project risk types and so on,and briefly describes this paper.The third part identifies the risks of Tengzhou Rural Commercial Bank's loan projects by using Delphi method,and summarizes seven types of loan project risks existing in Tengzhou Rural Commercial Bank,and establishes the corresponding risk sources.The fourth part evaluates the loan projects of Tengzhou Rural Commercial Bank comprehensively by using Analytic Hierarchy Process(AHP).The fifth part,according to the conclusions drawn above,puts forward the improvement measures of loan project risk management of rural commercial banks in Tengzhou,Shandong Province,that is to do a good job in credit rating and supervision system construction of loan projects,improve the loan risk management process,and strengthen the examination.Nuclear incentive mechanism and agricultural insurance cooperation mechanism should be established to achieve high-quality development of loan projects of rural commercial banks in Tengzhou,Shandong Province.This paper draws the following conclusions: Firstly,the research on the risk management of loan projects of rural commercial banks is relatively limited and needs to be further enriched.Secondly,this paper identifies and evaluates the risks of Tengzhou Rural Commercial Bank's loan projects.It finds that there are seven main risks in Tengzhou Rural Commercial Bank at present,such as credit,management,nature,operation,market,law and interest rate.It summarizes the sources of risks it should focus on,calculates its current risk level,and gains the wind of Tengzhou Rural Commercial Bank's loan projects.The conclusion of risk.Thirdly,Tengzhou rural commercial banks should further strengthen the construction of credit rating and supervision system of loan projects,strengthen the process of risk management,and constantly enhance the ability of risk prevention and control,so as to effectively reducethe risks of loan projects.