Research On Risk Control Of Entrusted Loan Project Of Huaxia Bank Shenyang Branch

Commercial bank project loan is the most important resource of commercial bank,but it is faced with the risk that can not be ignored because the success or failure of entrusted loan project management is directly related to the business development ability of commercial bank.Today,the entrusted loan project is one of the main business of Huaxia Bank Shenyang Branch.The quality and efficiency of the loan are directly related to the sustainable development of commercial banks.Therefore,it is necessary to prevent and resolve the risk of entrusted loan projects.Become a subject of general study in academia.Huaxia Bank Shenyang Branch was established in October 1999,mainly engaged in foreign currency deposit and loan,settlement and Huaxia card,agent securities and other financial services.And,as the People's Bank of China approved the Northeast region financing agency,it also for the northeastern region of the financial industry financing agency services.Has been committed to providing customers with financial products and personalized financial services,with rich customer conditions,has been a rapid development.As of the end of 2016,the total assets have more than 400 billion yuan,the general deposit balance of more than 300 billion,the loan balance of more than 200 billion yuan,for the revitalization of the northeast old industrial base has made important contributions.With regard to the study of entrusted loan projects,most of the researchers based on macroeconomic data,and some scholars began to focus on micro-enterprises from the start to analyze.This paper attempts to explore the risk factors,assessment and control scheme of Huaxia Bank Shenyang Branch entrusted loan project from the microcosmic point of view,taking Huaxia Bank Shenyang Branch as an example,using qualitative analysis and quantitative analysis.Based on the research on risk management of Huaxia Bank Shenyang Branch entrusted loan project,the corresponding suggestions are put forward.This paper is divided into three parts.The first part is the introduction,which describes the background and significance of the topic,and summarizes the relevant literatures of the country,both inside and outside,and points out the research ideas and frameworks,research methods and innovation points of this paper.The second part is the text of the second chapter to the fourth chapter.Chapter 2: Risk identification and risk assessment of entrusted loan projects.Firstly,it explains the development process of entrusted loan project risk and the classification of entrusted loan project risk.Secondly,it elaborates the risk evaluation and analysis of entrusted loan project,which lays a solid theoretical foundation for the research of the paper.Chapter 3,Huaxia Bank entrusted loan project risk control program design.This paper first introduces the risk control of Huaxia Bank's entrusted loan project,and then focuses on the risk assessment model of Huaxia Bank's entrusted loan project,discusses the risk factors of Huaxia Bank's Shenyang Branch entrusted loan project,and then elaborates the Huaxia Bank Shenyang Branch Huaxia Bank Bank entrusted loan project risk control program,thus laying the theoretical foundation for the paper model establishment.Chapter 4,Huaxia Bank entrusted loan project risk factors.This paper focuses on the method of risk control of Huaxia Bank entrusted loan project,and analyzes the control implementation and emergency plan of Huaxia Bank entrusted loan project risk.Finally,it is the conclusion part of this paper.Therefore,based on the important thinking of modern risk management theory,draw lessons from the theory,method and technology of risk management in Chinese and western financial fields,and combine the actual application of entrusted loan risk management of Huaxia Bank Shenyang Branch,and constantly improve the risk management system of entrusted loan project,Hoping to Huaxia Bank Shenyang branch and the whole financial field can effectively prevent and resolve the entrusted loan project risk,help the effective operation of entrusted loans,enhance the competitiveness of the line to promote the healthy development of the bank.