Risk Management Of Syndicated Loan For XX Thermal Power Project Of Postal Savings Bank

Syndicated loan is one of the most important financing methods in the international capital market,which has the characteristics of long loan time,large amount of financing and risk avoidance.Compared with the international capital market,especially with some developed European and American countries,the domestic research and application of related aspects are obviously lagging behind foreign countries.Therefore,in this case,how to further carry out the theoretical research and practical application of syndicated loan in China and improve the ability of some financial institutions,especially commercial banks,in dealing with financing risk management is particularly urgent.Taking the risk management of syndicated loan in XX thermal power project of China postal savings bank as an example,this paper discusses how to carry out risk management.In this paper,the research is divided into the following parts: In the first chapter,the background of the topic,the significance of the topic and the research ideas of the article are briefly elaborated.In the second chapter,it mainly summarizes and analyses some theories and procedures of syndicated loan risk management,focusing on the procedures of syndicated loan risk management.In the third chapter,the risk of XX thermal power project is identified and analyzed,that is,the risk of the project is identified preliminarily by qualitative analysis method.The internal and external environment of XX thermal power project is analyzed by using environmental analysis method.It is concluded that the change of external environment has a greater impact on the construction of the thermal power project.In the fourth chapter,financial analysis method is used to analyze the profitability and operational ability of XX thermal power project.In addition,quantitative analysis method is used to build relevant models to accurately analyze the risk of XX thermal power project.In the fifth chapter,some suggestions are put forward in the aspect of risk response,mainly as follows: 1.Establishing information exchange system among participating banks,including information memorandum exchange system,unifying contract text and establishing joint meetings between banks;2.Establishing risk transfer system of syndicated project loans;3.Establishing content adjustment mechanism of syndicated loan agreements.Chapter 6puts forward some suggestions on risk control,mainly as follows: 1.Establishing post-loan management responsibility system and periodic notification system,including improving the content of post-loan management responsibility system,establishing post-loan management responsibility system and periodic notification of post-loan management results;2.Establishing periodic stress testing system for projects,including establishing a monitoring mechanism for the operation status of borrowers and determining relevant indicators.Regular stress testing system.In the third countermeasure,it is proposed to improve the cash flow risk control system,including strengthening cash flow risk management and control awareness,establishing a cash flow supervision system,and improving the cash flow risk early warning mechanism.It is hoped that through the analysis of the risk management of syndicated loan inXX thermal power project,this paper can provide some reference for some domestic commercial banks to carry out syndicated loan and enrich the theoretical research results of syndicated loan in China.