Risk Managerment Research On Loan Project Of Rural Commercial Bank Of Zouping In Shandong

The rural commercial banks are profit-making and self financing financial institutions. In this paper,taken as an example, rural commercial bank of Zouping can develop steadly and sustainably only as the asset management is strengthened with risk of loss when the risk is implied in the business loan project. Rural commercial banks mainly serve and help agriculture, rural areas and farmers that its service objects are focused on farmer, rural economy, enterprise and related industries and provides financial products with selectivity and satisfactery returns. Rural commercial bank needs to expand and innovate loan projects with much more popularity in order to refine products with personality that this study can be aimed to work out risk management strategies, establish the position of the loan products, improve the competitive advantage of the loan project and make sure that it is in a competitive advantage. The rural commercial bank of Zouping in Shandong has a certain influence in the local. This paper is to optimize the financial loan project risk management system to provide a reference to help the mining business development space and profit potential, wins the cost reduction and risk of exclusion, above is the significance of this study.This paper takes the rural commercial bank of Zouping in Shandong as an example with risk management of loan project as the research starting point: firstly, the necessity of explaining to carry out risk management research on loan project which is background and the influence; secondly, to study do not deviate, is to use the theory as a guide, which describes the theory of risk management of the rural commercial bank loan project, after the project risk, project risk management, rural commercial bank and other key concept analysis, loan project risk management theory of the rest are summarized; thirdly, analyses the practice of the beginning stage rural commercial bank of Zouping to carry out the risk of loan identification: To summarize the situation of the development of rural commercial bank Loan, put forward all kinds of invisible risk identification methods, follow the recognition process analysis the loan project of seven categories of risk; subsequently, using analytic hierarchy process(AHP) to assess the risk of a full range of, construct and matching loan project risk assessment index system. Finally, measures to be improved of Risk management research on loan project of rural commercial bank of Zouping in Shandong are proposed in the front of the study, that is, the sound credit risk supervision system, set up the consciousness of risk management, strengthen credit management team training, and optimize the credit structure, sound credit risk identification and evaluation system. Through the improvement of the five levels of work to achieve the risk of loan projects to avoid and management, so that the Zouping Shandong rural commercial bank loan projects to achieve sustainable development.Risk management research on loan project of rural commercial bank of Zouping in Shandong is taken as an example, the formation of the following conclusions: first, the rural commercial bank risk identification, evaluation, improve the implementation of the need to be strengthened. Second, this paper makes an analysis from the rural commercial bank loan project risk identification, system analysis of all kinds of loan projects risk which may be hidden, credit, management, law, natural, market, operational, and interest rates risk; and then summed up the loan project risk management to focus on the type of risk. Three is the introduction of AHP and fuzzy comprehensive evaluation to assess the risk of Zouping rural commercial bank loan projects, and enhance the practical application of the research in the operability and universality.