HY Group Fixed Assets Loan Project Evaluation Of Agricultural Bank Of China

According to the latest figures from China banking regulatory commission, the non-performing loans of commercial bank appear double rising trend. The commercial Banks gradually realized that must cope with the problem of non-performing loans from the source to curb its produce. In this case, evaluation before loan will get attaches great importance to the banking sector little by little.In recent years, under the background of national support policy of agriculture, rural areas and farmers, the company loans of Agricultural Bank of China obtained rapid development, but bad loans also on the rise.Under this situation, the agricultural bank is facing development opportunities as well as huge challenges. Therefore, the key work for the agricultural bank at present is to perfect the commercial loan project evaluation system and evaluation methods. The perfect of the existing evaluation system and methods is of great significance for the agricultural bank of China to promote its competitiveness under the environment of the competitive financial competition.From the theoretical and practical respects, this thesis analyses the HY group by agricultural bank of fixed assets loan project appraisal on the basis of theoretical illustration.Then, finds outthe imperfect parts of evaluation system and methods before puts forward corresponding solution measures.This article mainly includes five parts, the introduction is to introduce basic content. The theoretical foundation chapter expounds the loan evaluation related theory content in detail.In the following part, introduces the fixed assets loans to make specific evaluation work whichagricultural bank made in view of the HY group. Then,according to the specific case from management system, evaluation content, evaluation method three aspects to analyze the problems existing in the current evaluation. Finally, there are solutions of three aspects: putting forward the strengthen management, clearing responsibility identification system, and cancelling the evaluation unreasonable fees in management system. In the aspect of evaluation content, it should increase the size of loan enterprise evaluation, pay special attention to the industry specific items of project evaluation and national economic evaluation. When it comes to evaluation methods, the real option method and the human resourcesvalue realized in the very period are introduced.