Construction Bank Project Loans To Evaluate The Methods Of Empirical Research

With the rapid development of China economy, more and more overseas banks have come to China, Chinese banking industry competitiveness become more intense. As the interest income is the main income of the domestic banks, Chinese commercial banks always look loan as an important work. With more and more bad loans arising, it becomes necessary to analyze the problems of the loan management. Fixed assets project loan evaluation is the first important juncture to defend the risk of bank loan management. Project evaluation is not only a precondition to decide the bank loan scientifically, but also a good way to improve decision efficiency.This paper first introduces the management system, working process and evaluation method of Chinese Construction Bank's fixed assets loan project evaluation at present, then it analyses the problems and defaults of them. At last some practical improvement measures and suggestions have been put forward to solve the problems. So it is a good way to reduce the wrong decision, defend the loan risk and improve controlling capability.As the loan evaluation not only concerns modern financial theory, investment, financial management, metrology economy and technology economy, but also concerns the theory of sociology, management and marketing etc. So some mistakes must be found in this paper,please make a comment or criticism on it.