Research On Risk Management Of Commercial Bank’s Loan For Project Financing Lease

As "the Belt and Road Initiative","Beijing-Tianjin-Hebei Collaboration Development" and other important strategies have being put forward,financing lease industry in China meets a good opportunity for development.Project financing lease is the product of the development of financing lease.Project financing lease is more and more widely used in the field of infrastructure construction in China.As the major capital provider of project financing lease,commercial banks take a tremendous risk in the whole process of financing lease.To raise the level of risk control and ensure the safety of credit funds for Chinese commercial banks,exploring suitable method and mechanism of risk management for project financing lease loan is helpful.Through the method of literature review,the research background and significance are illustrated,and the research status of risk management for project financing lease is deeply analysed.Then an all-around and systematic study of risk management for project financing lease loan is made from a new angle of commercial banks in China.The thesis is studied through three aspects-"risk identification,risk assessment,risk control".Risk classification,evaluation,control and prevention are the key parts as well.The commercial bank loan risk of project financing lease is classified as risk of loan approval,risk of project construction and risk of project management.Therefore the evaluation index system is established.Because the risk assessment of commercial bank’s loan for project financing lease is a multi-risk,multi-objective decision-making problem,a dynamic grey-fuzzy comprehensive evaluation model is established and employed.This model can not only make full use of experts’ experience,but also effectively reduce the influence of subjective factors.Simultaneously,it reflects the dynamic characteristics of project financing lease’s risk factors.Besides,three risk control measures including risk transfer,loss control and risk retention are put forward.From the perspective of commercial banks participating in project financing lease,the risk prevention measures and suggestions are proposed.A financing lease loan project of the commercial bank was studied.The risk analysis and evaluation is illustrated,which preliminarily verify the applicability and effectiveness of the model,and the risk control measures are put forward.In a word,this thesis can offer some theoretical foundation and practical guidance to the risk management of Chinese commercial bank loan for project financing lease.