Risk Control Of Construction Project Loans For The Commercial Bank Of Liaoyang

At present,China's banking industry has entered a fully competitive era.For the current business of China's commercial banks,the project loan is the most important profit assets.Project loans have the advantage oflarge loans,stable income,long term,and able to promote the development of other banking business.Thus,projects loans occupy the dominant position of China's commercial banks overall operating income and operating profit.Therefore,the major commercial banks in our country are paying more and more attention to the project loan risk assessment.This paper sorts out the basic theory of the loan risk management of engineering projects in various commercial banks.This paper analyzes the risk assessment and risk management methods of the Liaoyang Bankproject loan'spre-loan,credit,after the loan.The risk evaluation of the project loan and the loan model of the project loansare studied by fuzzy analytic hierarchy process.Based on the risk assessment of project loans,the article analyzes the credit choice of Loan project loans.With comprehensive analysis and evaluation of the economic strength of loan products,loan main project usability information and engineering projects,fuzzy analytic hierarchy process(AHP)is used to quantify the indexes which are fuzzy and difficult to analyze,calculate the weight of each index,and then give the results by scoring to evaluate the project loan risk.Thus,combined with scoring given the results,so as to assess the risk of project loans.In order to ensure the quality of credit assets with macro feasible as the premise,the commercial banks'project loan assessment focuses on the enterprise's comprehensive economic strength,the financial benefits of the projects and the repayment ability of the loans,taking into account the risk and benefit assessment of the loans,and making loans through examination decision making.The loan decision-making analysis of Liaoyang bank can effectively control the loan of the project loan.Through the choice of the loan dispatching information,payment model and the risk management method,the risk of the project loansare reduced.They provide guarantee and basisby evaluating risk warning timely and adjusting dynamic mechanism and model.In this paper,fuzzy analytic hierarchy process(AHP)is used to analyze the risk factors of loan risk in Liaoyang bank project.Combined with scoring to determine the risk factor as project loan effective risk control consideration,as well as comprehcensive analysis of the loan during the loan and after-loan period,and then the project loan risk is controlled.