Research On Risk Management Of Loan Project Of China Huishan Dairy Holdings Company Limited Offered By LNRCC

Risk is the source of band loss as well as the foundation of profit, so it is of significant meanings for the operation and development of banks depending on whether or not the risk can be controlled and managed appropriately. The social economic situation has had a profound change since 2014, with the moving on process of overall deepening reform, the development pattern transformation of China’s economy in “The New Normal” would have a tremendous influence on financial institution, especially a great opportunity and challenge for rural financial institutions.Since the establishment of Liaoning Rural Credit Cooperatives, the risk management has had a qualitative change, so the credit risk was prevented effectively, and the risk situation has been improved significantly. However, from the current circumstance, the credit risk was not optimistic: one is that the compliance awareness of part of the staff was weak, so the credit violation happened from time to time, the operation risk was hard to control, and the hidden risk was more glaring. The other is that the potential credit risk and market risk caused by uncertain factors gradually emerged. Therefore, how to strengthen the risk management of loan project and effectively implement risk recognition and prevention have a very important significance in comprehensively improving development quality and efficiency, overcoming the developing obstacles, and positively adapting to the new normal to realize the fast arising and full round revitalization of Liaoning rural credit course under the complicated economic and financial situation.This dissertation takes the loan project of 50,000 acre of high efficiency agriculture and planting base of Liaoning Huishan Diary Groups as example. Through the article research, qualitative and quantitative study and typical case analysis, this dissertation uses project management theory, applies financial analysis and market analysis, analyzes the risk cause of loan project, studies the risk recognition and control of loan project of Liao Rural Credit Cooperatives, reduces the risk of loan project via strengthening credit review and approval, implementation of full process management of front-middle-background desk and enhancing the management of credit operator and accountability, and thus puts forward the risk prevention and control measures for Liaoning Rural Credit Cooperatives to avoid the risk and meet the win-win effect between bank and enterprises, which provided some reference significance for risk control of similar loan projects.