Research On Risk Management Of Commercial Bank Project Loan

Project financing,as a important financing tool,has developed into an efficient wide-used financing method in base project.As China's capital market opens more widely to the outside world,project financing gains rapid development and plays important roles in infrastructure financing.But its long-time negotiation,a wide variety of involved parties and complicated structure lead it to being exposed to many risks.And in China,project financing is still at the starting stage and the commercial banks in China lack the efficient and sound way of analyzing the risks existing in the loan to project financing.So for the commercial banks in China,it worth exploring the risk management of project financing and it is meaningful to construct an efficiem model ofrisk management for loan to project financing.The paper carries on the analysis ofthe competitive environment the commercial banks in China face now and the characters ofproject financing,then poimed out the necessity of risk management for loan to project financing.After identifying and evaluating the risks,the paper summarizes some primarily technological method used as risk handling in terms of risk management.and expounds the generality method commonly used in the loan to project financing.Finally,in the real example part,the paper combines a concrete case,through the data and samples collecting,it provides the whole course of risk management for loan to project financing on the stand of commercial banks and has put forward own suggestions and opinions for the strategy of loan risk handling.