Research On Risk Management Of Benxi Coal And Electricity Project Loan Of Postal Savings Bank

With the rapid development of industrialization,coal-fired power is still at the peak of production capacity and is the pillar of the energy industry.Large-scale coalfired power projects are increasing,and most of the coal-fired power projects can not operate without commercial bank loans.However,the "low survival rate" and "sunset" of the development of coal-fired power market make the bank loans of coalfired power projects become " Under great pressure".Such high-risk loan projects,which are just needed by the market,need strong risk prevention measures.The emergence of cases of huge losses caused by high-risk bank project loans has sounded the alarm bell of the banking industry.Capital security has become the core of bank risk control.The timely establishment of risk prevention mechanism and risk management system is the top priority of bank work.Benxi Coal and Electricity Loan Project is a typical high-risk "sunset" project faced by Shenyang Branch of Postal Savings Bank.However,the strong market demand and the technical improvement and spiritual support of Northeast Corporation of Creditor Guodian Power to the development of coal and electricity environmental protection make the project feasible.The Postal Savings Bank has formulated a complete set of risk control system,from the risk identification,risk assessment and risk control of this coal-fired power project,a series of complete and strict implementation measures ensure the smooth completion of the loan project.This paper focuses on the risk control process of Benxi Coal and Electricity Project Loan by Shenyang Branch of Postal and Savings Bank.On the basis of a large amount of research on relevant industrial information,through literature research,field investigation,quantitative and qualitative research,the specific risk control process of high-risk coal and electricity project is studied in detail.In the identification of loan risk,this paper puts forward the identification methods of process analysis,expert examples,input-output analysis,background analysis and model analysis,which can fully explore potential risks,and introduces the earlywarning of loan issuance risk.In the aspect of risk assessment,Shenyang Branch of Postal and Savings Bank adopts credit rating method and financial statement analysis method to evaluate the risk of Benxi coal and electricity loan.Through the analysis of5 C elements and some financial indicators,this paper concludes that the loan risk of Benxi coal and electricity project mainly includes systemic risk such as national macro policy,industry situation,and so on.Non-systemic risk caused by subjective factors such as Supervision Negligence and employee quality of banks.Two types of risks require different measures.For systemic risk,banks should focus on the development trend of relevant national policies,set up observation groups to ensure real-time survey.For non-systemic risks,banks should first ensure a comprehensive and effective pre-loan investigation,fully identify loan companies and loan projects.In addition,careful risk assessment is a necessary prerequisite to ensure the safety of funds.Finally,it is necessary to establish emergency measures for capital recovery for risky investment projects.In the whole process of risk control,the Postal Savings Bank also needs to constantly strengthen team building,improve the quality of employees,and improve the loan business process.This paper studies the risk prevention and control system of commercial bank project loan,especially the coal project loan with high risk,and provides good practical suggestions.In addition,to provide the basis for the early warning of project loan,a large part of the loss of project loan is due to the bank’s inability to fully grasp and analyze the dynamic changes of various risk factors,and the failure to start early warning in time and reasonably for the risk factors.This paper is necessary for the early warning mechanism of project loan risk.Importance and importance cite good examples.Finally,as the last step in the process,this paper provides the basis for the project loan to guarantee the security of funds.On the basis of determining the responsibility of the bank to recover the principal and interest of loans and improving the operation ability of credit assets,this paper puts forward specific measures to recover funds.