| The basic function of bank lies in producing and providing financial services the public needing. Among the most important one is offering loan. Because of long term, large amount and high risk, project loan is a pretty prudential product and difficult to be achieved. So, whether the project loan assessment is accurate or not is the premise on safeguarding the credit asset, improving loan structure , ascending loan revenue and promoting sustainable economic development.Depending on several years of financial practice and focusing on the Zhuzhou New Times Material industrial project loan assessment, the author expresses the effective assessment process systematically and believes it also be helpful for the staff majoring in banking.Combining theory with practice, the author explains the effective project loan assessment from six parts, those are the debt analysis, project constructive condition analysis, market analysis, investment and financing analysis, repayment analysis, the risk of loan and domino effect analysis. |
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