Research On Financial Risk Assessment Before The Loan Of XT Branch In NF Bank

NF Bank is a state-owned agricultural policy bank,which is dedicated to "agriculture,rural areas,and farmers" and is a bank for building new countryside.Its business scope is to raise funds in accordance with the state's industrial and financial policies,undertake the state policy task of supporting agriculture,handle the policy loan of grain,cotton and oil reserves,establish commercial business approved by the state supervisory authority,and act as the agent for the disbursement of financial support funds for agriculture.No 1 Central Document of 2014 states that China's economic and social development is in a transitional period and that the environment for rural reform and development is more complex,more difficult and challenging.No.1 Central document has locked in the "san nong" for the past 14 years,because agriculture is highly uncertain,risky,and long-term,also,the risk is the nature of the banking industry.Preventing and controlling risk is the eternal theme of banking industries.As a policy bank,NF bank has faced higher management risk while fulfilling the responsibility of supporting agriculture.Based on the above,this thesis introduces the current operating situation of NF Bank,analyzes its financial risks,including policy risk,capital risk,credit risk,liquidity risk,interest rate and exchange rate risk,financial operation risk and legal compliance risk,and establishes a financial risk model based on the pre-loan review angle,which can provide decision support to the pre-loan financial risk evaluation of XT branch.Firstly,this article introduces the research background and the significance,and summarizes the research situation at home and abroad.The second part introduces the management status and the risk type of the XT branch,the third part introduces the method of the pre-loan financial evaluation of NF Bank,the content of the credit project investigation and the shortcomings of the existing evaluation methods,including the lack of the unified analysis of multiple factors and the incomplete analysis.In the fourth part,based on the perspective of pre-loan review,fuzzy evaluation method is used to establish the analysis model to solve the problems of the existing evaluation methods.By taking into account the seven types of risks and 32 subordinate indicators,the financial fuzzy evaluation model is established before the loan of XT branch,and the evaluation result is calculated by the sample of J,who is the client of XT branch,for the application analysis.