Research On Loan Risk Prevention Of H Bank Shed Reform Project

In recent years,in order to promote the integration of urbanization and economic and social development,cities and towns across the country have been scrambling to carry out shantytown reconstruction to promote the modernization process of their cities and improve their comprehensive strength and competitiveness.Due to the large scale,long term and huge investments,shantytowns need to raise funds for renovation and construction through multiple channels,sources and forms.In view of the great pressure on the real economy of our country at present,the implementation of a new round of shantytown renovation project will meet certain difficulties or problems,such as high degree of risk,long payback period,and the current Slum Reconstruction further tightening monetized resettlement policy,regulations and policies of the government purchasing service constantly stricter,the state council and the ministry of finance of local government debt management increasingly regularized,and this case leads shantytown reconstruction into large potential risks to loan programs.Based on this background,this article thinks H bank Slum Reconstruction project loan repayment single source,policy situation unclear,funding mismatch,risk slow-release effect is not strong,the loan amount and time limit of the potential risks,According to the studies of the domestic and foreign scholars about the shantytowns in the process of the transformation of financing,project finance and risk management of relevant literature,theory research project loans,commercial bank management theory,the commercial bank risk management theory and other related theories,using literature analysis,case analysis,data analysis and other analytical methods for H bank Slum Reconstruction project loan risk prevention researches in present situation and the potential risk point.The main reason of these potential risks is that the imperfect system of construction and implementation has not reached the designated position,the government purchasing loans policy is too loose,dynamic monitoring mechanism is not perfect for Slum Reconstruction project loans,zheng,silver,enterprise information asymmetry,adverse selection,and the resulting bank,political,gaming,silver and bank game and negotiation ability is weak,etc.Aiming at the existence of H bank in Slum Reconstruction project potential risk points,this article embarks from the actual situation Slum Reconstruction project loan,together with the present situation of H bank risk management,based on principles of comprehensiveness,operability,dynamic adjustment,to comprehensively identify recognition mechanism,effective classification management mechanism,the whole process of risk control mechanism,risk resolution mechanism through various channels,patency of the political,silver,and the cooperation mechanism for the overall framework,and designs H bank Slum Reconstruction project loan risk prevention programs,further perfect Slum Reconstruction project loan procedures,and improves the Slum Reconstruction project loan risk control architecture,formulate corresponding risk control system files,establish and perfect the Slum Reconstruction project loan risk prevention mechanism.We will raise awareness of the potential risks of loans for projects in rundown areas,increase the channels through which the risks of loans for projects in rundown areas can be mitigated,strengthen the building of cooperation mechanisms between governments,banks and enterprises,and improve the ability of Banks to negotiate and play games.At the same time,we design and implement plan,necessary protection measures and evaluation system,to ensure the smooth implementation of Slum Reconstruction prevention plan,to further improve the H bank Slum Reconstruction project loan risk management level,promote the sustainable development of the credit business robust compliance quality and provide certain help.And that is basically the purpose of this paper.