Research On Loan Risk Management Of Shantytown Renovation Project In L Village Of Bank C

Shantytowns are those communities with high density,low quality buildings,small per capita living area and incomplete infrastructure and service facilities in urban areas.At present,some residents in the city are still in a low-income state,the ability to buy fixed assets is not high,but the low-income groups themselves have an urgent need to improve living conditions.City development and construction of shantytowns,on the one hand,can effectively promote the healthy development of urban real estate industry,pull fixed assets investment and promote consumption upgrading,contribute to the growth of GDP;on the other hand,can promote the development of people's livelihood,effectively improve the city The housing conditions of low-income groups contribute to the construction of a harmonious society.Therefore,the development of affordable housing has become the main way to improve the housing conditions of low-income groups and achieve social equity and justice,and is also an important measure to speed up the construction of urban urbanization and improve the comprehensive strength and image of the city.The purpose of this paper is to derive from the logical starting point of the single financing of the shed reform project how to assess the loan risk of commercial banks and how to prevent and resolve the two central problems,so as to put forward some useful policy suggestions and path choices.Level to help.The main research result of this study is to carry on the risk assessment investigation to the L village shantytown reconstruction project loan,found that the loan company shed reform project belongs to the mild risk project,the loan company is divided into B kinds of customers,means to carry on the comprehensive analysis to the project and the loan company risk point,finds the risk question representation,and the reason which produces and proposes the solution countermeasure,in order to guarantee the project loan safety.Finally,based on the research results,the paper discusses the problems,causes and countermeasures of the loan risk of the project,and finds that the risk points of the project are mainly focused on the economic and policy risks,the uncertain risks of interestbearing debt and financial subsidies,and the management Risk and benefit risk;the reason for the risk point is that the government public project loan evaluation is loose,the government,bank,enterprise information asymmetry,the shed reform project loan risk management prevention mechanism is absent,the shed reform project loan dynamic monitoring mechanism is not perfect.The proposed countermeasures are to improve the strategy of preventing and defusing the risk of loan policy,to improve the ability of bank negotiation and game,to strengthen the construction of risk prevention and control mechanism in the loan of greenhouse reform project,and to improve the ability of preventing the potential income risk of the project.