Innovation Research On The Appraisal Of Commercial Bank Loan Project

General thinking and logic structureSince it has reformed for more than 20 years, our country socialist market economic system has improved steadily, the competition between the bank is also fierce, the bank tradition project approach has been difficult to effectively improve our state-owned commercial banks credit quality of assets.Therefore, in the original assessment methods on the basis of the existing loan to improve the assessment is an important work.Assessment of project loans is the first gate to guard the credit risk,because it can help to forecast the economic profit of projects,filter the loan application with relatively high risk,avoid the loan decision mistakes,guarantee the safe return of loans and lower the bad assets etc. After joining the WTO, bank loan assessments will be faced with more severe challenges.Firstly,it required higher quality and profit.Secondly, the mode of financing was diversification, technology assessment and evaluation has a different emphasis.Thirdly,currently,it is important to do a better job in the market forecast and appraisal.As a result,the appraisal of Commercial bank loan project is an extremely important job.Researching on it had a significantly practical meaning to lower the financial risk and loan decision as well.In this thesis, the main ideas and logic structure is:began with the introduction of general concept and theory of project loan assessment methods.Next,on the theoretical basis of modern finance,investment,financial management,econometric science etc,from on macroscopic proposed the credit assessment system optimization conception, and from on microscopic proposed the bank project loan assessment methods improved.ContentThere are three chapters.The first chapter systematically elaborated our country bank loan present situation, including:our bank loan project existing characteristic,the loan project related to the concept of assessment methods and so on.The second chapter analyzed several traditional project evaluation methods. First section has discussed the bank loan evaluation mechanism and the problems. Second section has introduced our bank loans traditional assessment methods from the ability to profit from the project, the project's solvency and risk assessment.Third chapter emphatically has discussed the bank project loans to improve the assessment. First section from on macroscopic proposed the credit assessment system optimization conception. Second section from on microscopic proposed the bank project loan assessment methods improved, pointed out that the traditional approach of loans to the deficiencies and shortcomings, and the corresponding amendments to improve the more feasible approach.Some innovationsThe thesis main contribution manifests in following several aspects.First, on the basis of summing up our predecessors, comprehensive review and summary of the development of our bank loans and the status quo, and the theory and methods, pointed out the importance of the Innovation Bank loan assessment system and the methods. Second, systematic presentation the thinking and innovative ideas of the bank loan evaluation system and method. Third, proposed the establishment of the market economy in line with the credit assessment of the concept of system optimization, Four, we explore the methods of improving the assessment of the project.This thesis deficiency mainly is: although established the credit assessment system optimization, but failed on every level of the contents of a detailed in-depth exposition, due to space limitations and some of the information obtained factors. Second, although this thesis to improve the profitability of bank loans assessment approach, but also failed to further deepen or thinning of the assessment methods, from the practical application still has some distance.Third, the result of innovating needs empirical analysis, but this thesis did not conduct research in this area, and we look forward to these shortcomings in the follow-up study to improve.