The Reseach On Credit Risk Management Of Tanheng Highway Of Bank Of Communications S Branch

Highway project, with strong public property, is important infrastructure in relation to national economy and people’s livelihood, whose development is mainly dominated by the government. It is also relatively stable cash flow of business assets, in the mode of financing construction and charging operation. Under the situation of excess production capacity and global economy downward, One Belt And One Road strategy is put forward in 2015, and the infrastructure construction was raised to the national strategic level again.Tanheng highway, as a national and provincial key project, is the third longitudinal of the five longitudinal and seven horizontal highway network plan of the highway system of hunan province and is also an important regional economic main of the one point one line area in the east area of hunan province. It is very important to improve regional transportation, investment environment, economic development and the development of tourism resources.Based on bank project credit management, and take Tanheng highway project as an example, the paper uses the theory of the identification, evaluation and control of risk, analyzes credit management process of the pre-loan investigation, credit management and post-loan monitoring. Some issues, like credit efficiency has not reached expected, the excess of financing and absence of syndicated loans expose through the research of the credit process, and the paper puts forward measures to further perfect the bank credit management system, do real credit investigation, forming a syndicate and the reasonable distribution of syndicated loans share proportion, etc. Make project credit management system of commercial bank more perfect, and guarantee the credit assets in bank’s project credit against infringement.