Research On Risk Management Of Jien Nickel Industry Non-standard Assets Financing Project In Bank Of China Limited Jilin Branch

With non-standard financing business growing, the commercial banks haveintroduced high-income financial, pushing up the cost of financing capital marketrates, high interest rates, corporate financing rate is gradually rising, enterpriserepayment ability decreased gradually, the tense capital chain. Once the fund chainbreak, banks face the risk of enterprise or not deferred repayment repayment, and leadto the risk of bank can not repay the principal and interest of financial customers due,leading to bank credit risk event occurs, the bank credit is a bank signs, directly affectthe status of the bank depositors in heart, therefore the control of risk is one of themain responsibilities of the bank.This article through to Jean nickel Limited by Share Ltd non risk standardfinancing project analysis, using the method of flow chart progress around the projectmanagement risk, market risk, risk, risk management personnel and other aspects ofrisk analysis and assessment. Through the analysis of various risks, identify, involvedin the project include: first, continue to mergers and acquisitions and other eventsbetween risk and liquidity adequacy ratio in the process of enterprise operation;second, changes in market interest rates, will cause the enterprise future repaymentwill decline; third, not the main factors affecting the progress of the project to putaside the leadership of the intervention, the financing difficulties faced by enterprisesin the process, the basic walk top marketing route, leadership to consider thelong-term relationship, often in the project did not improve the situation requiresspeed or requirements of the project must pass, led directly to the project running inthe defect; fourth, there are differences of bank internal division of labor, theomission of progress of job responsibilities unclear often leads to project. To find out and analyze the source of risk occurrence, using risk graphevaluation, qualitative analysis, the project risk quantitatively, solutions and designreasonable. First, determine the more non standard asset valuation reasonable, fullyexposed the probability of risk prevention, risk, control risk, ensure project safety,smoothly; second, build a complete guarantee system, perfect the project of thesecond source of repayment, in cooperation with the law firm, legal disputes occurwhen the assumption of profit maximization, repayment is not affected, to ensure thesafety of funds management to recover the funds, the prevention and control of bankcredit risk; third, according to preliminary risk assessment results, puts forwardeffective measures to resolve the risk, with the guarantee system, make the risk eventdoes not occur, or reduce the probability of occurrence of the risk events; fourth,formulate corresponding emergency measures, starting from the followingmanagement point of view, in the project during operation, constantly monitoring theproduction and operation of enterprises, do a good job of prevention and control ofrisk occurrence for project follow-up management, the ultimate guarantee of bank isnot substantial capital losses.The purpose of this paper, is to take bank-of-china limited JiLin branch thenon-standard financing business process standardization, further clear division ofresponsibilities, each department can orderly approval and management approach inthe management constraints, access the objective appraisal main body of financing,the establishment of the build perfect guarantee system should be formulated for therelated factors, most of the non emergency plan standard financing business, health,safety and development to lay the foundation for non-standard financing business, fornon-standard financing business promotion escort.