Study On Hongliang New Energy Loan Project Risk Management Of Dalian Branch Of Industrial Bank

Nobel laureate professor of economics,Professor Robert Morton pointed out that risk management is one of the two pillars of modern financial theory,from the perspective of commercial banks,management is the core of risk management.The operation risk of commercial bank for its profits at the same time,and can bring catastrophic losses to commercial banks,timely and effective risk management and control,plays an important role in the development of commercial banks.Since 2016,the society has undergone profound changes in the economic situation Chinese,with the continuous advance of comprehensive deepening reform process,China economy has entered a new normal,how to recognize the new normal,to adapt to the new normal,has become a major issue in front of the commercial banks.Dalian branch of Industrial Bank take the initiative to understand the new normal,to adapt to the new normal,not only firmly adhere to reform and innovation,transformation and development direction,and realistically set milestones,grasp the business rhythm,improvement of working methods.In the face of the pressure of risk management is increasing trend,the Industrial Bank Dalian branch on the one hand,focus on strengthening the research of regional economic situation and pre judgment,reasonably determine the business development direction,at the same time on key industries,key customer risk investigation,increase the stock of business risk prevention and control efforts,accelerate the non-performing assets and risk assets to resolve the speed of the other;on the one hand,to strengthen the compliance risk culture publicizing,strengthening the bank staff to perform their duties compliance risk awareness,and strive to build a full compliance of the home culture,improvestaff cohesion,as a branch of robust management provide the basis for better team.In this paper,a new energy industrial bank Dalian branch loan project as an example,the use of literature research,qualitative and quantitative research,case analysis and other methods,using the theories of project management,through the industry analysis,financial analysis and other means,to illustrate the progress of the project situation and prospects.At the same time,the loan project also has potential risks,such as policy risk,management risk,credit risk,guarantee risk,operational risk and other factors,the risk analysis of the industry,operating conditions and financial conditions,guarantees and other factors.In order to effectively avoid the risk,the Industrial Bank of China Dalian branch of the new wave of energy projects should be in front of the project,in the event,after several aspects,from the point of view of the banks to effectively prevent and control credit risk.The first point is to expand,each part of the loan project evaluation should focus on norms,especially in the investigation and approval of access,access to loans and the acceptance of the application for credit investigation and other aspects to be concerned.The second point is the loan review approval procedures for the corresponding process should be further optimized,for a review to the point,the two is to regulate the reliability,the three is to strengthen the credit business loan,and for related lending conditions will be put in place.The third point is to further strengthen the management of the loan,the credit business for the duration of the risk classification,investigation,early warning and disposal.At the same time,the Industrial Bank Dalian branch shall implement the regulations strictly in accordance with the head office credit management department and risk management department and other relevant departments to develop,at the same time for the Dalian branch of the internal introduction of corresponding operation rules,or to further improve and amend the relevant operating procedures prior to the.To strengthen the relevant system of enterprises CFP system,Gold retail credit operation system for constructionof learning,update relevant head office system function to promptly organize related personnel training for the organization,and then the corresponding test.According to the credit risk and related personnel responsibilities for the development of the evaluation mechanism and performance evaluation mechanism,improve compliance,risk and responsibility consciousness of all staff,and put forward measures and risk control of Dalian branch of industrial bank loan project,in order to reduce risk,a win-win purpose.