Research On Risk Evaluation And Precaution Of The Bank Of Communications’Loan Credit Project

With the management methods and system maturing, China’s commercial bankshave gradually established a credit risk management system during thirty years’ ofdevelopment. The role of risk management has become more significant. And we paymore attention to the credit risk management, which is regarded as the main content ofrisk management. Because of the continuous development of the commercial banks andthe influence of external economic environment and internal mechanism, the species ofcredit risk and the difficulty of credit risk management are gradually increasing. In thiscontext, the effectiveness of credit risk management has become an important guaranteefor the healthy and orderly development of the commercial banks. Based on describingthe present situation of loan project risk management of Bank of Communications, thispaper finds out the loan project risk management problems. This paper also evaluates aloan facility project of Qinhuangdao Branch of Bank of Communications’ risks andprovides some reference suggestions for the loan project risk precaution of Bank ofCommunications. According to the research content, literature analysis, case analysis andfuzzy comprehensive evaluation method are used.Firstly, research background, significance, methods, contents, domestic and foreignresearch status are discussed. And the overview of concepts and basic theory providestheoretical guidance for the other parts.Secondly, according to the annual bulletin and relevant information of Bank ofCommunications, the paper describes the current situation of Bank of Communications’loan project risk management and analyzes loan credit project risk management problemsof Bank of Communications.Thirdly, it explains the contents of identifying Bank of Communications’ loanproject risk and builds loan facility project risk evaluation index system. Then use thefuzzy comprehensive evaluation method to evaluate the size of a loan credit project ofQinhuangdao Branch of Bank of Communications’ risks.Finally, it proposes countermeasures and suggestions on preventing the loan facility project risk, including that improving credit rating system and risk evaluation system,optimizing the risk of internal control system, strengthen risk warning system, operatingdistinctively between SMEs and group clients, developing a good culture of loan credit.