| The bank is the enterprise which focuses on business risk, risk management is an important part of the development of the banking, reflecting the level of bank balance of risks and benefits, through analytical and risk factor analysis for fixed asset loans to the project evaluation process, effective risk management direction guidance. With the integration of the world, international financial integration of the continuous progress of the financial sector, especially banking competition intensifies, the external economic environment is increasingly complex and changing the banks operating conditions changed dramatically, although in recent years the level of banks’ risk management is rising, but in GDP growth rate of7%to8%annually, the rapid investment in fixed assets still allow the Bank project evaluation work presents a weakness, and how well the project evaluation, risk management has become the main problem of the moment. Construction Bank, the forerunner of the project assessment as China’s large state-owned commercial bank, an early start and achieved remarkable results in the current assessment method application range than those of other domestic commercial banks have certain advantages, but not completely changed the concept of risk management, the execution is not enough incomplete and technical conditions and other reasons, risk management indicators as a binding targets yet effective decomposition to the grass-roots institutions, this article by the proceed from the content and process of project evaluation, assessment of the construction Bank project risk management analysis and CCB instance of a client analysis, identify gaps and propose solutions to those problems, and actively explore the optimization of the risk management process, improve the efficiency of risk management, in a bid to provide some valuable reference and help to build the bank’s risk management in China construction Bank effective risk management to promote the project assessment. |
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