Research Based On Risk Control Of Credit Management In Private Owned Highway Industry

Highway Industry is important basic infrastructure related to national economy and people’s livehood, and is one of fundamental industries in national economy. According to normal regular pattern in progress of highway industry in western developed countries, in the next two or three decades, highway industry will still develop rapidlly, especially considering the“Four trillion”investment published by central government in the end of 2008, and the“Five trillion”budget.Therefore batch of banks rank highway industry as positive growth category when formulating or adujusting their credit policy. After 2010 ,total credit and credit balance of highway industry account large propotion of bank credit, especially the credit of private owned highway industry.But because credit management in private owned highway industry is difficult, if the risk prevention and control is inadequate, it may lead to systematic financial risk to banking system, even affect overall progress of national highway network construction. The solution to this this problem contains three aspects. Firstly enterprise should improve corporate governance, improve the ability of self accumulation and developing. Secondly government should lead the adjustment of highway financing structure, promote enterprise financing/lending and security market, and implement multi-level and multi-structure systematical and targeted strategy. Finally, the most important thing is that banks should establish perfect risk prevention and control system on credit management in private owned highway industry.In this paper, the author will strive to find solutions to the problems producing in highway credit process by analyzing typical cases he did from the perspective of long-term and strategic point. By means of analyzing actual cases and highway industy’s developing pattern, the author point out that there are three core value principles that must be insisted in private owned highway industry banking credit innovatively. Banks can relieve the pressure in credit shortage, optimize the allocation of credit resources, and solve the accessing problem of private owned highway enterprise if they insist to the three principles. In the next, the author will analyze specific credit risk and corresponding control measures deeply combined with private owned highway industry’s actual construction and development, strengthen application of research results and come up with detailed credit risk control and prevention measures. At last, the author set the model technique which is fundamental and strategic important to transportation development as basis, breakthrough key technique, reserve prospective technique, and formulate powerful spontaneous application and control ability, to solve core difficult technique problems in highway credit management during construction process and level up banks’ability on private owned highway credit management. The author hopes that above measures will contribute to improving banks’ability on privates owned highway industry credit management and promoting safe、stable and harmonious development of highway industry credit.