Research On Loan Risk Control Of Wind Power Project In China B Bank

Fixed asset loan business in project is one of the commercial bank creditmanagement, have been playing a higher proportion in operations of commercialbanks in China, commercial banks assess of project loans is the trade-offs andoptimization of the process of project loans, is a prerequisiteand and an important stepof the Bank project lending decisions. China B Bank in1980learn the advancedexperience of the World Bank in cooperation with the World Bank, which is the firstone in the country to carry out the project evaluation work, after nearly30years ofdevelopment, it already has a more complete set of project risk assessment systemand processes.Wind power generation is different from the thermal power, hydropower, itsmain power generation technology and equipment began to increase steadily in thelast20years together, from the simple to the introduction of foreign technology andequipment and independent production of domestic manufacturers, and relatedtechnology and equipment constantly updated, consider sent technology developmenttrends uncertainty to the wind power equipment technology,so,it is the outstandingproblems facing the "the wind electric" under Bank than how a new perspective toidentify the opportunities and risks of new industries. There are opportunities andrisks in any industry, wind power is no exception.From long term, wind powercompared with other conventional energy resources are not exhausted, powergeneration, pollution and other advantages, the development of wind power is ageneral trend, which the Chinese government is now encouraging the development ofwind power and other new energy industry has been vigorously promoting, and fromthe tariff the status quo, industry opportunities, Internet, taxes, etc. our governmentgives a lot of preferential policies, so the development of the situation in the future is optimistic; However, at present, due to the weak supporting grid construction, windpower projects exist many difficulties,such as Internet is difficult, serious abandonedelectric, wind farms generally operating difficulties, more local structuralopportunities. Commercial banks should actively and prudently towards wind powerproject loans from the bank’s point of view on the proposed loan project from thenecessity of the project, technology is advanced and reasonable, the financial benefitsbank earnings and potential risks on the basis of comprehensive systems analysis anddemonstration, to make a comprehensive evaluation of the economy.The author by analyzing the problems of the the loans found a lot of problems ofwind power project in those loans in Jilin Branch of China B Bank in many aspects ofthe technology development, equipment manufacturing, power generation Internet,loan proceeds and detailed research, so the wind power industry in the province in2011through wind power project designed loan risk control, optimize businessprocesses, and established a reasonable assessment of monitoring mechanisms, inorder to seek an effective credit risk management control measures.The specific content of this article is mainly composed of the following six parts:the preamble; Chapter one, was built power project loan status quo and problems inJilin Province; Chapter two, was the existing problems anylysis of the power projectloan; Chapter three, was the electric project loan risk control design of the powerproject loan in Jilin Province; Chapter four, was the safeguards and implementation ofthe electric project loan assessment; Final, was the thinking and conclusions of thefull text.In this paper, the author through the assessment of instances analysis andappraisal to solve the B Bank in the future that how to design wind electricityindustry loan risk assessment indicators; how to design wind electricity industry riskassessment steps and processes; how to protect the wind power industry loan riskcontrol effective execution, etc.it is played a crucial and decisive role in the fullreveal of the wind power project loan risk.