Research On Risk Control Of Loan Project For Shenyang Rural Credit Cooperatives In Plastic Woven

Nowasdays，the international economy is becoming more and more complex,support Small and micro businesses development, not only become one of thethemes of the central economic conference, but also has become the focus of thework of local governments at all levels. As a service "three rural" financialinstitutions, its market positioning from a single support "three agriculture" graduallyevolved into "three agriculture", based on the support Small and micro businessesand support the development of county economy. But Small and micro businessesown problems not only cause difficulty in financing, and is also an important factorresulting in credit risk, financial institutions to carry out the Small and microbusinesses loans generally adopt a variety of measures to prevent risks. Rural creditcooperatives in Shenyang city according to the local actual situation, to strengthenthe Liaoning province typical Small and micro businesses cluster--Subian industrycredit support. The Small and micro businesses financial support and effective riskcontrol not only for the bank, enterprise management and efficiency is important, forrealizing the economic and social development and equity objectives has made thetremendous contribution.Shenyang city BL Plastic Packing Co. company loans of rural creditcooperatives in Shenyang city issued mainly by loans, acceptance, pre loaninvestigation, loan review, loan approval, loan and post loan management stage asthe risk assessment process, based on the financial statements analysis method,SWOT analysis method as the risk assessment method. Through the risk assessmentprocess and the basic situation of risk analysis of loan project audit, found the main risk points in the loan project is credit risk, mortgage risk, operational risk, interestrate risk and corporate loan risk. Risk identification is the first step in the loanproject risk control and management of the loan project,evaluate the risksidentified,and to take effective measures to guard against the risks.The causes of the risk of Shenyang city BL Plastic Packing Co. Ltd. the loanproject mainly concentrated in the plastic industry environment,credit cooperativesinternal management, business and community loan business in four areas.Costincreases rapidly Subian industry at present, financing difficulty is increased,Heavier tax burden, labor intensive industry advantage no longer, serious adversecompetition caused industry internal chaos and plastic market occur downhillphenomenon; rural credit cooperatives of Shenyang city the current interest ratepricing mechanism defects, management system is not perfect, the staff of moralconsciousness and the concept of legal system weak, rating system is not perfect,government intervention and strong; Shenyang BL Woven Packing Co. productsoccupy the market is difficult, companies serious funding gap, backward productiontechnology, the financial system is not perfect, the repayment consciousness,enterprise management system is imperfect;community loan lead agencies do nothave required massive lending management level and professional quality of staffmembers of society, and no direct operation right, and don’t know much about theproject, basically can do is sign in the material and the contract, because ofinformation asymmetry, not timely, not sharing, resulting in payment of funds andloan review phase separation, easily lead to future accrual disputes.According to the causes of risk in the loan project, we should take variouseffective measures to control the risk, in order to reduce the risk and prevent newrisks. First, strengthen the loan before, in the background, process management, theimplementation of a series of systems, measures and arrangements loan processcontrol. Second, perfecting the loan examination system, establish the risk early warning mechanism, innovation management model. Third, the relationship betweencommunity members, optimize the loan credit cooperatives and enterprises,Guarantee Corporation, credit agencies at all levels of. In addition, by strengtheningthe building of the staff, the establishment of risk prevention awareness, a clearresponsibility to establish risk weight, establishment of positive and negativeincentives to prevent risks, can be brought to the credit risk of the project tominimize the credit agency.