Research On Project Risk Management Of Postal Savings Bank Branches In The City Of Shenyang Brilliance Group Loans

At present, the postal savings bank around enterprise financial aspects of the design ofthe main varieties of wholesale loans loans and loans of two kinds of supply chain.Wholesale loan scale is huge, with its high rate of return characteristics, has become a newprofit growth point of the postal savings bank.Automobile manufacturing industry is the support of the development of China’seconomic reform of the industry, the effects of linkage development scope relates to energy,transport, traffic and so on more than50other industries, the indirect value creation isimmeasurable, in boosting the national economy and stimulate the economy needs more isundeniable. However, the automobile manufacturing industry has great uncertainty, easy tobe influenced by many factors, so in the enterprise loan project choice should be cautious. Atthe same time, enterprises can also be through the conduction mechanism of the loan projectof its own risk to the banks, thereby affecting the entire bank asset quality, pose a threat tothe safety of capital of commercial banks. Therefore, the research on how enterpriseinvestment project selection, establish the risk early warning mechanism and effective ofinvestment project risk identification, assessment, in order to maximize resolution, avoidcredit risk, credit business of the postal savings bank is to realize the healthy and stabledevelopment of the reality of the need.This paper first research situation of domestic and foreign enterprises loan project risksystematically, the risk of enterprise loan project in accordance with its surroundingsrespectively from the angle of internal and external risks are classified description. To thepostal savings bank of brilliance group liquidity loan project as an example, the project loancredit risk in the process of point of a comprehensive analysis, pointed out the potential riskof the project and to assess the risk, finally from the systemic risk and non systemic riskperspective on the project put forward specific control measures.