Research On Risk Control Of New Hope Ceramic Flow Loan Project Of Huaxia Bank Shenyang Branch

For the current Chinese national economy,small and medium enterprises have become an important part of economic subject in China.The development of small and medium enterprise business is full of vigorous force,occupying a large proportion in the national economy.For many small and medium enterprises,bank credit has become the most important external financing method.Liquidity loan is one of the main business of commercial banks,but there is a risk that can not be ignored.The success or failure of the project management of liquidity loan is directly related to the business development ability of commercial banks.The risk of liquidity loan directly affects the sustainable development of commercial banks,so to prevent and avoid the risk of liquidity loan project is the most important of the banks' work.Liquidity loan is divided into medium and long-term liquidity loan and short-term liquidity loan.As the foundation of the survival and development of the bank,the risk of liquidity loan is the most important business link in the operation process of the bank.It can effectively prevent and respond to risks in the loan process.The research on the risk prevention and control of liquidity loan is an important credit risk management and research to protect the bank's own property safety,at the same time,it can understand the enterprise demand more thoroughly through the effective risk prevention and control means,and provide more appropriate financing business for the enterprise.Huaxia bank liquidity loan for small and medium enterprises develops high quality customers,and the liquidity loan of Huaxia bank mainly provides short-term loans for small and medium enterprises to purchase raw materials and so on.Huaxia bank Shenyang branch was established in October 1999.As a bank of northeast China approved by the people's bank of China,it also provides financing agency business for the financial industry in northeast China.Huaxia bank is committed to providing the personalized service of financial products for customers.By the end of 2016,the total bank's total assets had exceeded 40 billion mark,the general deposit balance exceeded 30 billion,loan balance exceeded 20 billion,which made great contribution to the revitalization of northeast old industrial base.In this paper,Huaxia bank Shenyang branch of new hope ceramic mobile loan project as the research object,to explore the risk control of the project,this paper is divided into four parts.The first chapter introduces the background and significance of the topic,aiming at the national,internal and external research literature review,and pointed out the research method of this article.The second chapter introduces Outline of new hope ceramic liquidity loan project of Huaxia bank.Drawing on the theories,methods and techniques of risk management in the financial field of China and the west,combining with the actual sports of the risk management of the ceramic mobile loan project,this paper puts forward the possible project risk of the project.The third chapter introduces Risk identification and risk evaluation of Huaxia bank new hope ceramic liquidity loan project.Firstly,the risk evaluation of the new way of ceramic loan and the classification of the risk of the floating capital loan project are explained.Secondly,elaborated the new hope ceramic liquidity loan project risk evaluation and analysis,which laid the theoretical foundation for the research of the paper.The fourth chapter introduces Huaxia bank new hope ceramic liquidity loan project risk control method and measure.Firstly,this paper briefly describes the method of risk control of China bank's new hope ceramic liquidity loan project,including the two parts,finally focuses on the specific implementation method of the risk control of the loan project.