Research On Risk Control Of Loan Project In Financial Poverty Alleviation Of Bank A Of A County In Henan Province

Since the launch of poverty alleviation and development work in China,accelerating the process of poverty development in poverty-stricken areas and finally building a goal of building a well-off society in an all-round way is a necessary condition for promoting stable social and economic development,creating a socialist harmonious society,and the fundamental purpose of serving the Communist Party of China for the people.The important performance.Through the implementation of precise poverty alleviation work,we can accelerate the economic and social development of poor and backward rural areas,narrow the gap between the rich and the poor between rural and urban areas,and contribute to the harmonious and stable society.The loan financing in the poverty alleviation work provides the most basic financial guarantee for the promotion and realization of poverty alleviation work,and the regional banking industry assumes the responsibility of escorting the precision poverty alleviation project.However,the risk prevention and control of loan projects has become especially important for banks.To this end,in the context of vigorously promoting rural revitalization and precise poverty alleviation,this paper conducts in-depth research on the focus of risk prevention and control of precision poverty alleviation loan projects.This paper takes the risk control of the A-bank poverty alleviation and relocation loan project of a county in Henan Province as the research object.Through the research and analysis of the specific ex situ poverty alleviation loan case,it is hoped that the risk assessment can be estimated in detail through quantifiable analysis.Combined with the problems existing in the risk control of the current A Bank's poverty alleviation project,it is proposed in the aspects of “organizational structure,evaluation system construction,personnel training,policy support,supervision strategy and credit management mechanism” both at the bank and outside the bank.The targeted optimization strategy hopes to accurately identify the risks of financial poverty alleviation projects and provide stronger financial security for the implementation of financial precision poverty alleviation policies and projects.This paper combines the actual situation of the risk prevention and control system of the Bank A bank's industrial and commercial loan project,and proposes a risk assessment method that can combine the characteristics and reality of the precision poverty alleviation loan project with the actual poverty alleviation project.The proposed risk assessment system is innovative and makes up for it.A gap in the theoretical study of risk control for precision poverty alleviation financial loan projects in the region.In practical terms,the precise risk control method for poverty alleviation loans developed in this paper can provide valuable reference for other similar loan projects in a certain county,especially considering the characteristics of similar poverty alleviation and loan projects in the region and the people.The general characteristics of the masses(weak repayment ability,insufficient guarantee),and the characteristics of the poverty alleviation and relocation loan project(the number of people involved,the long implementation period of the project),etc.,the proposed risk prevention and control system can effectively cope with the lack of risk understanding,risk response Problems such as poor ability have certain scalability.