Research On Risk Management Of The Loans Project Of Daqing Subsidiary Bank Of KL Bank

Along with the gradual development of our country market economy and the constantenlargement of social reproduction, the demand for capital of enterprise in the process ofdevelopment is constantly growing. In order to solve this contradiction, enterprise can adoptthe way of applying for loans from banks to make up for their own funding needs. At thesame time, a series of loans project risk problems also come and present the complicated andchangeable situation. How to discover the loans project risk timely in the process ofcommercial banks operating and to build a healthy, solid comprehensive-risk managementsystem is particularly important for the long-term development of commercial banks.Firstly, this paper expounds related theories on loans project risk management ofcommercial banks from a macro level. Then aiming at Daqing subsidiary bank of KL Bank,analyze its internal and external environment and the present situation in loans project riskmanagement, including loans varieties poor, customer concentration high, credit assetsstructure less optimized, ability of credit management personnel controlling risk lessstrengthened, and so on. Together with the present situation of the loans project risk, apply thefuzzy comprehensive-evaluation method to carry on the comprehensive evaluation by thequantitative way. At last, combined with the present situation of loans project riskmanagement and the comprehensive evaluation consequence, put forward the effectivemeasures and suggestions of preventing and reducing the loans project risk, includinginnovating the loan varieties, optimizing the credit structure, strengthening the construction ofcredit system, strengthening business training, and so on. It’s hoped that the above researchcan offer certain practice guidance for Daqing subsidiary bank improving the riskmanagement level and environment and constructing the scientific risk management system.And providing practical reference for else commercial banks carrying on the reasonable andeffective loans project risk management is expected.