Research On Project Financing Risk Of Wind Power Of GH Bank In S Province

Since the 21st century,new energy power generation represented by wind power has been paid more and more attention by all countries,and wind power projects mainly rely on bank loans to provide financial support.In recent years,the operation of some wind power projects is more difficult,and the phenomenon of abandoning wind power in some areas is serious,which puts forward a greater test for commercial banks to risk management of wind power projects.Due to the different project conditions and large regional differences,the project management system,system and method of different banks are different,and the wind power enterprises also have the situation of overdue loan.As the fund supporter of wind power project,commercial banks have changed from actively encouraging intervention to careful and selective intervention,and further strengthened the risk research and prevention of payment for wind power projects Fan.This paper expounds the development status of wind power industry,and summarizes the literature of wind power project risk management of domestic and foreign scholars.Based on the latest research results of current project evaluation,the paper establishes the risk management process system of wind power project loan of GH Bank of S Province.First,risk identification,according to the characteristics of large reserves,wide resources,unbalanced region,large capital demand and long financing period in China,the risk of wind power project loan is divided into four categories: risk in preparation period,risk in construction period,risk in operation period and other risks.Furthermore,it further identifies 16 specific risk factors.These four categories are 16 sub categories The risk basically covers all risk categories of wind power projects;secondly,risk assessment,based on risk factors,establishes risk assessment index system,calculates the loss weight of a certain type of risk of wind power project systematically from the perspective of creditors by expert scoring and AHP.The research results show that: among many risk factors,the loss weight of repayment risk is the largest,and its loss weight is the largest The second is market risk and compliance risk,and the least risk weight is force majeure risk;the third is risk control.According to the differences of wind power projects in different regions,investment and construction,and consumption capacity,specific control measures are proposed for each risk factor.Finally,taking the wind power project loan of company a as an example,using the above risk management process and the specific risk occurrence probability evaluation results,it is found that the risk of over financing,guarantee,policy change and financial risk are the four highest risk factors in the project.Through the implementation of corresponding control measures,the project risk value is reduced from 4.58 to 3.36,which proves that the risk is proved The effectiveness of management system provides some reference for the risk prevention of commercial bank loan projects.Commercial banks pay more and more attention to the risk management of wind power projects.The research conclusions of this paper mainly include the identification of risk factors,risk assessment index system and risk assessment score.It mainly analyzes and studies the risk assessment systematically,obtains the risk loss weight and risk occurrence probability,and quantifies the risk value,which can effectively solve some practical problems of wind power project risk management Problems and theoretical basis of calculation,which has practical reference significance for commercial banks’ wind power project evaluation,and is conducive to banks’ effective risk identification,examination and approval decision-making and risk control and prevention.At the same time,it can promote the development of wind power projects to a more standardized and effective direction,which is of special significance for the healthy and sustainable development of S Province wind power projects.