G Bank Fixed Assets Project Loan Evaluation Issues Study

Project loan assessment is the primary procedure of review. It provides direct reference to the approval of a banking loan. It is important whether in decision making or aftermath appraisal. There are still some weak spots in current business loan assessment system and practice that need to be improved urgently. Because of the rapid increase of bad loan due to downward economic situation which aggravate the credit risk accumulation, banks are forced to analyze problems in commercial project loan regulation and management, through which practical improving ways could be brought out, therefore to efficiently control and manage commercial loans.The evaluation of fixed assets loan is a complicated engineering system. This paper analyzes the problems existing in Bank G's project loan evaluation from three aspects, such as business procedure setting, process setting, evaluation method and so on. First of all, analyze the problems of Bank G's project evaluation business procedure which is the lack of independence, effectiveness, and follow-up feedback mechanism. Accordingly to put forward the improvement measures; secondly, analysis of Bank G's project loan evaluation process during project and customer admittance, prior communication and other issues, and strive to modify this process; finally, discusses the existing project evaluation methods on inadequate due dilligence(head office investigation template not implemented) and imprudence citation of feasibility study report, improper product and market survey and other issues. Therefore this paper put forward corresponding countermeasures. The conclusion of this paper bring out optimization strategy, it has important reference value to promote the sustained and healthy development of credit business of Bank G, to promote the continuous optimization of fixed asset loan business, to create a better working environment, higher working efficiency, make the traditional business advantage in the increasingly fierce competition in the financial environment.