Financial Evaluation And Risk Management Of A Housing Project In Chengdu Of ZX Bank

With the deepening of the reform of China's market economy and the advent of the era of global economic integration,competition among peers has intensified,and the traditional banking business has been unable to meet the increasing needs of customers.In order to ensure its own market position and share in the increasingly competitive market competition,the bank management should consider seeking changes in the traditional evaluation mode.In 2003,a development zone in Chengdu was formally established.In response to the government's call,CITIC Bank invested in more than 30 projects with a total investment of 4.5 billion yuan,which added benefits to the planning of Chengdu's major cities.In order to maximize the benefits of these investments,the existing bank investment project evaluation is optimized and explored,with rich experience in financial analysis and risk analysis.The research on village(community)collective investment projects will fill in the theoretical gaps,increase the practical experience of village(community)collective investment projects,provide reference for future economic and financial evaluation and risk factors determination and analysis in village(community)collective investment projects,and promote urban development.Based on relevant theories,this paper combines qualitative analysis with quantitative analysis,adopts questionnaire method,and comprehensively uses the above research methods to explore the bank investment evaluation methods.The research contents mainly focus on the following points: First,the general situation of bank investment project management in China,including the concept and development process of bank investment projects,and puts forward suggestions to make community collective investment projects within the scope of bank investment project management.Introduce the relevant theories of financial analysis and risk prevention;Second,it introduces the basic situation,bidding,principal clauses of the entrusted construction contract and construction management of a resettlement housing project in Chengdu,and analyzes the necessity of financial evaluation and risk evaluation in the project loan application process.Third,it conducts financial evaluation and risk evaluation analysis and evaluation on a resettlement housing project in Chengdu.This paper analyzes the feasibility of the project from the financial aspect,and puts forward reasonable suggestions on the possible problems.The risk of the project was evaluated by means of questionnaires and reasonable suggestions were put forward for possible problems.Through the above research ideas,the author draws the following conclusions: First,it is necessary to carry out financial evaluation and risk evaluation in the process of project loan application;Second,in a resettlement housing project in Chengdu,the financial evaluation results show that the project has a good financial situation,good profitability and solvency.However,in order to make the credit decision-making of CITIC Bank less risky,according to the actual situation of the project,the paper puts forward several project modes combined with design and the introduction of industrial partners to reasonably reduce the risk of credit decision-making.Third,in a resettlement housing project in Chengdu,the risk analysis results show that the risk level of the project in terms of country and exchange rate is negligible,the risk level in terms of natural disasters and project operation is medium,and the risk level in terms of technology is important,and the risk response measures in the project loan application process are put forward according to the risk level.