The Study Of Evaluation And Control Of Zhe Risk In Fixed Asset Loan Projects

The bank is the enterprise which focuses on business risk, risk management is an important part of the development of the banking, reflecting the level of bank balance of risks and benefits, through analytical and risk factor analysis for fixed asset loans to the project evaluation process, effective risk management direction guidance. The project evaluation, risk management has become the main problem of the moment. Although the Banks’ risk management level rising, but in recent years the rapid investment in fixed assets is still challenging bank project evaluation work. How to do project evaluation of risk management has become the main problems of the present. In this paper, through theoretical and empirical combination of methods, from the content of the fixed assets loan project evaluation and process, using a set of relatively comprehensive long-term loan project evaluation method of fixed assets loan project evaluation of the risk management of banking industry is analyzed, and the annual output of 7.2 million kilometers of fiber optical cable Pacific fiber drawing project instance analysis, find out problems and put forward the ideas to solve the problem, actively explore optimization means of risk management, improve the efficiency of risk management, trying to for the risk management of banking industry fixed assets loans provide valuable reference and help to proceed with the project evaluation under the effective risk management.Based on this, The main content of this article is divided into the following several parts:the first part is introduction, mainly introduced the thesis research background and significance, domestic and foreign research present situation and the innovation of this paper and the insufficiency; The second part is the introduction of fixed assets loan project evaluation theory, including fixed assets loan project related concepts and main contents of risk factors and the main risk control measures; The third part is fixed loan risk analysis of project evaluation and risk control measures, mainly introduced the loan project risk assessment involves the main points, lists some important risk control measures. The fourth part is the study of shandong Pacific cable co., LTD., with annual capacity of 7.2 million kilometers of fiber project instance analysis, detailed project, analyzed the project of building on the project risk, uncertainty, financial benefit and risk, Banks carry out the benefit and risk of the fixed assets loan programs. This part mainly includes the basic information of project construction, borrowers financing situation and the repayment ability, project products and market analysis, based on the analysis of the feasibility of the project, and compared with other manufacturers in the industry’s competitive advantage and disadvantage. The fifth part is the risk management in the project evaluation system analysis and summary, combining with the Pacific cable fixed assets loan projects, we had about the project of the risks involved in the overall grasp and understanding.