Gs Bank Loan Risk Management Of The A-projtect Loan

The gradually opening market(such as the marketization of interest rate) cause banks not only faced with competition among financial institutions, but also encounter the new financial field(such as the internet financial) powerful impact, while the bank is still facing with increasingly stringent regulatory from the China Banking Regulatory Commission. The bank must cultivate new business models, break paradigms inherent to prevent complacency. The traditional bank loan risk management is the overall enterprise risk assessment, and supervision of capital flows after lending. The way makes it difficult for small enterprises that have an excellent project to obtain funds, which don’t meet the optimal allocation of resources for financial purposes, or with the bank as a business to maximize its benefits. Project financing see project’s future earnings and assets as a source of funds to repay the loan and security guarantee. The main form of project financing is project loan. It simply start from the project itself, the project risk identification and assessment, the level of corporate-level credit assessment plays a smaller weighting in the assessment, which is in favor of the bank to identify quality projects and conducive to the foundation of specialized asset securitization model and good for adapting to the market trend of the marketization of interest rates.This paper describes the basic principles of project financing and risk management methods of project loan management, and using the fuzzy comprehensive analysis method to analyze the actual case. In this paper, based on the expert evaluation, I collate and analyze the data, then establish the judgment matrix and the fuzzy relationship matrix, finally draw the conclusion that a combination of weights and overall risk. In a basic understanding of the overall risk of the project, put forward the risk control measures according to the characteristics of the project.This article succinctly points out that project can be the subject of bank lending. The results indicate that the project financing let more excellent project profitability can get adequate financial support, also allow banks to gain, both of which contributed to the overall value of cooperative society growth. The gradual deepening of the marketization interest rate and asset securitization gradually on track, force banks to change, project loan is very necessary for the development of asset securitization.