The Research On SHAOGAN Expressway Project Loan Assessment

The assessment of commercial bank loans are choice and optimization of the process for loans, bank loans are a prerequisite for decision-making and an important step. In recent years, fierce competition for inter-bank credit assets resulting from increased risk, the commercial banks increased importance on the assessment of loan projects.Assessment of project loans, mainly from the perspective of bank loans on the proposed project from the necessity of project construction, technology advanced and reasonable, and financial benefits, banks and potential risks associated with the proceeds to conduct a thorough analysis of systems based on the argument and make a comprehensive economic evaluation. However, with economic development, the main changes in the investment and financing and business investment increasing,combined with financing methods for the assessment of technology and focus on the diversification of assessment, commercial bank loans made to assess whether it is in the assessment methods or assessment mechanism on both faced with severe challenges.In this paper, GS Bank Shaogan Highway Guangdong Section of Ganzhou Expressway Project as an example, at the existing project loan assessment carried out on an overview of the foundation, the project conducted a SWOT analysis of loans, respectively, from the project's strength, weakness, opportunities and threats analysis for the results of the analysis to take corresponding measures to hedge. And analysis of Shaogan highway project loan risks and effects, use of sensitivity analysis methods analysis of project cash flows and operating costs of the project the impact of the risk. SWOT analysis from the project results can be seen, the strength of project is greater than the weakness, the opportunity is greater than the threat. External threats in the project as the impact of internal weakness increasing internal as external threats to the weakness will continue to strengthen. And therefore must be able to make full use of external development opportunities, within a timely manner to overcome the shortcomings of its vulnerable to further reduce, and improve loan quality. An Empirical Analysis show that cash flows are the impact of project loans an important factor in the quality, the magnitude of change on the return of project loans have a significant impact. The bank must take necessary measures to ensure the smooth return of the loan, if the success of the project for Shaogan Highway about 928 million yuan of interest income, there is beneficial to adjust the Shaogan bank credit asset structure, improve the quality of credit assets and consolidated operating efficiency ratio.