Research On Risk Management Of Huarun Nonferrous Metal Loans Project Of Huaxia Bank Yingkou Branch

With the continuous development of social economy,the banking sector has played a positive role in promoting the development of enterprises.In the meantime,the banking sector also plays an important role in providing loans to businesses.However,during the loan process,because of the loan default behavior of enterprises,it will cause some economic losses in the development of the banking sector.Strengthening the management of corporate loan risk has become an important issue to be paid attention to by various commercial banks in developing their loan business.Non-ferrous metal industry in China’s industrial economic development process,an important pillar,the larger the demand for funds.After a non-ferrous metal enterprise loan,how to achieve good operation has become the top priority for banks to obtain profits and manage risks.As the development of non-ferrous metals and the control of loan risks have a direct impact on the development of banks and the achievement of profit targets,the Bank aims at the sustainable development of lending business in view of the risks,management and control that may arise during its development It has become a key link that should be faced and considered by banks in providing loans.Concerning the research on the risk of bank loan projects,the relevant scholars often focus on the macroeconomic data,while some scholars gradually analyze it from the microscopic point of view.This article starts from the microscopic point of view.Taking Huayi Bank Yingkou Branch as an example,this paper explores the risk identification,evaluation and control schemes of Huaxia Bank Yingkou Branch through qualitative and quantitative analysis.Taking Huarun Non-ferrous Metals Loan Project as an example,this paper puts forward specific guiding measures in three stages: investigation stage of loan project,approval stage of loan project and loan stage of loan project.This article is mainly divided into four different parts.The first chapter is the introduction,which mainly includes the research background and significance,research methods and contents.The theoretical basis is described from the definition and main types of project loan risk and the specific characteristics of project loan risk.Risk-related research literature overview and so on.The second chapter introduces Huarun Non-ferrous Metals,at the same time,introduces China Resources Nonferrous Metals Loan Project of Huaxia Bank Yingkou Branch,and then analyzes the current situation of the industry development,and from four aspects of cyclical risk,financial risk,management and operation risk and fraud risk The aspects of risk management of CR Non-ferrous Metal Loan Project are analyzed in detail.The third chapter mainly identifies and appraises the risk of Huarun nonferrous metal loan project of Huaxia Bank Yingkou Branch.Mainly from the project investigation stage,the project approval stage and the project loan stage three aspects,and summarizes the problems that exist.In the fourth chapter,corresponding control measures are put forward for the risks of Huarun Non-ferrous Metals Loan Project of Huaxia Bank Yingkou Branch.The same mainly from the project investigation stage,the project approval stage and the project loan stage three aspects.In the project investigation stage,it mainly includes three aspects: regulating the requirements of access,strictly implementing the management system of marketing scope and strengthening the management of guarantee access.During the project approval stage,it mainly includes three aspects: standardizing the credit business investigation,simplifying the approval process and improving the credit rating method.In the project post-loan stage,it mainly includes four aspects: improving the overall quality of post-loan risk control,carrying out targeted post-loan inspection,attaching importance to the risk control platform and implementing the post-loan risk control mode.This article seeks to conduct research on the risk management of loan projects by Huaxia Bank Yingkou Branch in order to strengthen the internal competitiveness of banks and promote the healthy development of the banking sector.