The Management Research On The Risk Of Highway Loan Project In Sichuan Province

With regard to the loan bank, presently, highway loan in Sichuan province's has been scarcely successful. Altogether the banks have spent 20 billions on 20 completed highway constructions, yet till now, only one or two highways could pay off the loan interest in time, not to mention the pay-off of the loan principal. On the contrary, the world bank, which enforces advanced project risk management, has been quite successful in hundreds of highways loan programs; therefore, Sichuan's backward risk management is to blame to a large extent. Globally, enforcement on the risk management has become an crucial part of program management; a lot of management experts regard the risk management as essential to a successful program. Not only does the risk management carry much practical significance to the safety of bank loan and property, the wide application of this scientific manage approach also benefits banks to promote other risk management on other property. Due to that the management on highway loan projects in Sichuan is faulty and weak, it is extremely necessary to employ the risk management theory andapplication in order to promote the risk management.From aspect of the loan banks, with the reference from the advanced management of the world bank, this thesis first detailed the process, the method and the technique of risk management, and makes a thorough analysis on the current deficiency of six highway loan programs in Sichuan. The author also elaborates on the reasons for the backwards of management through comparison -that is , lack of systematic theory and approaches on the risk management. On basis of that, the author focuses on the procedure of identification-measurement-feedback-controlling, by largely adopting solid evidence method in analyzing, the author makes a probe into the fulfillment of risk management of highways in Sichuan, and further studies how to promote risk manage through organization, human resource, project constitution, project implication and etc, by connecting the theory and approaches in the practice of risk management in Sichuan, and then establish a set of integrated, scientific risk management system for highway loan programs in Sichuan.Moreover, in the process of analyzing the solid evident, the thesis creatively takes advantages of advanced theories, technique, covariance, the strategies, and does lots of quantity quantitative analyses on the risk of highway loan project in Sichuan.By uniting the practice, the thesis presents the ideology of complete realization of risk management on highway loan programs, and carefullyexamines several concrete solutions of risk management, then puts forth some reference templates for risk management of highway loan projects. It also brings up some constructive approaches for project risk management from the aspects of management software, risk information system and etc.In order to provide the loan bank with a valuable reference of item risk management system, to ensure the bank loans more standard, scientific, and formal, and to loan the loan risk, to boost the loan success rate, to guarantee the safety of the bank loan, this article makes a thorough, systematic research and investigation on the risk management of highway loan project in Sichuan province, and establishes a corresponding system of risk management.