Study On Project Loan Risk Management Of Poverty-alleviation Relocation Of A Village In Lvliang City

Eradicating poverty,improving people’s livelihood and gradually realizing common prosperity is the essential requirement of socialism and an important mission of our Party.Since the 18 th CPC National Congress,the state has made poverty alleviation a major task in governance.As an important part of poverty alleviation in China,financial poverty alleviation is a process of directing and accurately allocating financial resources to poor areas and poor people.As an important measure of financial poverty alleviation,povertyalleviation relocation can provide strong support for winning the battle against poverty.Generally speaking,in addition to government budget investment,relocation funds for inhospitable areas also include credit funds and funds raised by poor households themselves.At present,credit funds are playing an increasingly prominent role in the implementation of inhospitable relocation projects.However,during the implementation of the project,there are many participants,a long construction period and complex risk factors.If the project is not properly managed,it is prone to unqualified project quality,project suspension,loan repayment difficulties and other risks.so it is very important to establish the risk evaluation system of inhospitable poverty alleviation project loans.In this paper,based on project loan risk management of poverty-alleviation relocation of A village in Lvliang City,through the analysis and research risk management factors,determine the risk management evaluation index,the fuzzy comprehensive evaluation method to quantitative and qualitative analysis,the evaluation index to establish it won A village relocation project loan risk evaluation system,and put forward the main measures of risk management.Among them,the risk evaluation factors are determined by combining the risk sources and risk subjects of the relocation project of A village,mainly including government risk,borrower risk,project risk,migration risk and external factors risk.According to the analysis,the loan risk of A village relocation project in Lvliang city is small,but the risk factors affecting the smooth completion of the project still exist.In the risk index weight system,the risk of the project itself,the credit risk of the project borrower,the risk of the improper use of poverty alleviation funds,the risk of internal decision-making and the risk of migration.Therefore,the main risk countermeasures are put forward from the internal and external aspects of the bank.On the one hand,Jinshang Bank,as the subject of the project loan,should combine the four stages of project initiation,project approval,implementation and summary.Targeted risk analysis and analysis,improve the risk prevention system,strengthen risk early warning and follow-up monitoring of migration.On the other hand,actively strengthen the bank’s external risk management,including accelerating the improvement of the government’s financial poverty alleviation credit policies,the construction of social credit system.