Huishui Rural Commercial Bank "Hao Hua Hong" Characteristics Of The Loan Risk Management Research Report

Huishui Rural Commercial Bank's “Hao Hua Hong” special loan program is a new type of financing method that solves the problems of farmers,agricultural production and SMEs' financing difficulties.As the main product for the economic development of Huishui County,it is the development of rural economy in Huishui County.Made a great contribution.However,with the rapid development of “Hao Hua Hong” specialty loan projects,the risks are increasingly prominent.The project has a high degree of risk,complex types of risks,and difficulty in risk management.It has become an urgent problem to be solved.The article took the risk of identification-risk assessment-risk response to the three steps,a comprehensive analysis of Huishui Rural Commercial Bank's "Hao Hua Hong" characteristic loan project,put forward reasonable suggestions for improvement,help Huishui County to achieve better and faster economy development.Firstly,field surveys and seminars were used to make a preliminary understanding of the overall operation of the “Hao Hua Hong” loan project.At the same time,ten evaluation team members were sent evaluation opinions to identify possible risks such as operational risks.Management risk,business risk,industrial risk,local policy risk,and judicial litigation risk,and analysis of the causes of risk formation;secondly,send risk scores to experts,and assess the probability and impact of the above risks through expert scoring The results are brought into the risk comprehensive scoring formula.According to the results of the formula,the operational risk is of the extremely high risk type,the management risk is the high risk,the business risk,the judicial litigation risk and the industrial risk are of the medium risk type,and the local policy risk is low.The type of risk;Finally,the resultsof the risk identification and risk assessment are integrated,and targeted risk response measures are proposed,which mainly propose solutions from the following three aspects: risk control,risk dispersion and transfer,and risk supervision.Through field research,combined with the opinions of experts with rich practical experience in related fields,adopt qualitative and quantitative analysis methods,propose solutions,and have certain reference value for Huishui Rural Commercial Bank to improve the "Hao Hua Hong" characteristic loan project.