Research On Risk Management Of Fixed Asset Loan In Commercial Banks

The bank is the enterprise that manages risk,loan risk management is the priority among priorities of bank business development,it reflects the level that the bank balances risk and income.The fixed assets loan,as the most important credit product of domestic banking financial institutions,is particularly important to guide the direction of risk management.With the increasingly fierce competition in the financial sector and the increasingly complex external economic environment,Banks are also faced with certain difficulties in carrying out fixed asset loan business.Although the risk management level of Banks is improving,the rapid fixed asset investment in recent years still poses challenges to the project evaluation of Banks.Commercial Banks,especially large commercial Banks,as the most important participants in the development of China's market economy,have played a crucial role in supporting a series of economic reforms and development such as the construction of infrastructure projects.As a project evaluation business matched with credit policy,risk evaluation of fixed asset loan project has become an important decision-making tool and one of the main supporting businesses of various commercial Banks.However,the loan of fixed assets of commercial Banks is characterized by large amount,long cycle and complex project.The development of this business directly affects the profit and loan risk control effect of Banks.The evaluation process of fixed asset loan business is relatively complicated,and it is also a field that commercial Banks have been exploring and studying for a long time.By combining theory and practice,this paper analyzes the risk management of the fixed asset loan project evaluation of the banking industry from the perspective of the content and process of the fixed asset loan project evaluation,and takes the fixed asset loan of HR power plant as an example.Firstly,the problems in the project evaluation were found out and the ideas to solve the problems were put forward.The goal of improving the efficiency of risk management was achieved by actively exploring and optimizing the means of risk management.The final purpose is to provide valuable reference and help for the risk management of fixed assets loan projects in the banking industry and promote the project evaluation under the premise of effective risk management.The main content of this paper is divided into the following five parts: the first part is the introduction,the main content is the research background and significance of the paper,the research status at home and abroad and the innovation and shortcomings of this paper;The second part is an overview of related theories and evaluation methods of fixed asset loan management,including related concepts and main contents,evaluation methods and evaluation procedures of fixed asset loan project evaluation.The third part is the risk analysis of fixed loan project evaluation,which mainly introduces the risk of loan project from the three stages of preloan,loan and post-loan.The fourth part is the case analysis of the fixed assets loan project of banking HR power plant.The fifth part is on the basis of the foregoing,strengthen the risk assessment and control of fixed assets loans recommendations.