Risk Identification And Risk Prevention Of The Affiliated Company Loan Of Private Enterprises Financing In Commercial Banks

Under the current economic situation,the survival of small and medium-sized private enterprises is very difficult.The companies do not dare to pick up new projects and new business.Banks and folk don't want to lend.Upstream and downstream enterprises take up the company's liquidity.The company needs to mat endowment to do business,and this can make money tight.Small and medium-sized company defaults.Non-performing loans and defective rate continues to rise.Overdue loans,advances exposure happened frequently and there were signs of accelerating.The outbreak of the risk exposure event extended to across the country.Slowing economic growth to the effects of bad bank is expanding constantly,especially the association of private enterprise company loans continue to rise.It has brought a lot of challenges to the bank's credit asset management.Associated companies in private enterprises financing loan risk happened frequently,completing the associated company loan risk identification and risk prevention is particularly urgent.In this paper,the basic theory of the related areas are studied.Associated companies in domestic and foreign private enterprises financing loans risk identification and risk prevention are absorbed and borrowed.The approach is to combine the theoretical analysis and case analysis together.The selected case is from the actual work.Focusing on the actual controller and control,relationship and associated companies and aiming at affiliates in private enterprises financing loans which may cause problem,the detailed customer information are collected.According to the method of risk evaluation system diagram,the quantitative risk early-warning index and back propagation neural network structure risk prediction model are established.Risk prediction and risk detection are carried out for relevant examples.According to the output value of neural network,we determine the level of risk warning,and make corresponding suggestions from different risk levels.Finally,from four aspects which are the system construction,customer analysis,bank management and technical means,the corresponding risk prevention measures are put forward,hoping to fundamentally prevent the associated company loan risk in financing for private firms.