Study On Credit Risk Management Of Expressway Project Of Yunnan Branch Of A Bank

In the past 30 years.China's expressways have shown an unprecedented development trend,and the total mileage of expressways has reached the top in the world.After entering the "Thirteenth Five-Year Plan".Yunnan Province has intensively started the construction of expressways.Due to the large scale of investment in expressway projects,the main source of construction funds still relies on bank credit funds.The rapid expansion of expressways has created new opportunities for financial institutions and brought new risks.In addition,in recent years,the state has issued a number of rules and regulations,and has made new requirements and regulations on government debt,state-owned enterprise financing,and highway industry fees.This further increases the uncertainty of credit for commercial bank highway projects.Under such a background,it is necessary to study how commercial banks can identify and evaluate the risk of highway project loans under the premise of compliance and legality,and develop risk control measures to achieve effective credit risk management.Important practical significance.Based on credit risk management theory,this paper discusses the risk management of highway project loans,and analyzes highway risk management and related measures from the perspective of credit process.The article takes the loan situation of the highway project of Yunnan Branch of Bank A as the research object,and focuses on the most representative Kunming Southeast Ring Expressway Project,combined with current relevant policies and regulations,the risk of project construction,capital risk and super budget.9 types of risks are analyzed and identified one by one.On the basis of risk identification,the credit risk of the project borroweris evaluated by using the qualification ability,performance level and industry status;and the future income of the project is measured by the combination of the four-phase transportation method and the trend analysis method.On the basis of the preliminary analysis,the paper puts forward suggestions and measures for the control of credit risk of the project from four aspects:construction,operation,repayment and policy.Through analysis,the following enlightenment is obtained:The credit risk management of highway projects should be analyzed in combination with the macroeconomic situation,and the changes in policy regulations should be adjusted accordingly;in the risk analysis,big data should be relied upon to focus on risk identification.In addition,in the credit management of banks,it is necessary to weigh the strategic layout and social benefits of the project.