Reach On Credit Risk Management Of Photovoltaic Power Generation Enterprises Of YC Bank Hebei Branch

In recent years,with the rapid development of the photovoltaic power generation industry,the demand for project financing has gradually increased.Hebei Province,which ranks second in the country in terms of the accumulated installed capacity and newly added installed capacity of photovoltaic power generation,is about to usher in a new upsurge of investment and financing in the photovoltaic power generation industry.All major central enterprises,state-owned enterprises and private enterprises have established county-level project subsidiaries to actively develop and construct photovoltaic power generation projects.In the past credit granting business,YC bank Hebei Branch’s credit objects for photovoltaic power generation enterprises were mainly central enterprises,state-owned enterprises or large group companies,and all of them were centralized photovoltaic power generation projects.The financial indicators of the loan applying enterprises were the main basis for YC bank Hebei Branch’s credit approval of photovoltaic power generation enterprises.However,with the rapid development of the photovoltaic power generation industry in Hebei Province,large group companies have established project subsidiaries to contract projects one after another,and more and more small-scale private enterprises have also participated in them.As a result,the current credit risk management system of the photovoltaic power generation enterprises of YC bank Hebei Branch has exposed drawbacks and can not better adapt to the actual development trend of the photovoltaic power generation industry in Hebei Province.In view of this,this thesis takes YC Bank Hebei Branch as the research object,based on the credit risk management theory of commercial banks,and conducts research on credit risk management optimization of photovoltaic power generation enterprises.First of all,this thesis analyzes the problems and deficiencies in the current credit risk management system of YC Bank Hebei Branch photovoltaic power generation enterprises,based on the actual credit risk management of YC Bank Hebei Branch photovoltaic power generation enterprises.Second,combining the risk characteristics of photovoltaic power generation enterprises and the credit risk characteristics of commercial banks,seven credit risk factors and 21 risk factors of photovoltaic power generation enterprises were identified based on the full life cycle perspective of credit risk management of pre loan due diligence,in-process audit and post loan management.Thirdly,based on the research idea of combining qualitative and quantitative analysis,the credit risk evaluation index system of photovoltaic power generation enterprises in Hebei Branch of YC Bank is constructed by applying the analytic hierarchy process and Delphi method.Fourthly,taking GM Company X project,one of the photovoltaic power generation loan application enterprises of YC Bank Hebei Branch,as a specific case,applying the credit risk evaluation index system and credit risk evaluation grade of photovoltaic power generation enterprises of YC Bank Hebei Branch built in this thesis,credit risk evaluation was conducted for GM Company X project and risk response measures were proposed based on the evaluation results,It clarifies the practical applicability of the credit risk management system for photovoltaic power generation enterprises built in this thesis,and develops credit risk response measures for key risk factors.By constructing the credit risk management system of photovoltaic power generation enterprises of YC bank Hebei Branch,this thesis further improves the credit risk management level and management efficiency of photovoltaic power generation enterprises of YC bank Hebei Branch,takes advantage of the photovoltaic power generation industry to seize the market opportunity,accelerates the good and healthy development of photovoltaic power generation industry in Hebei Province while improving the income generation of photovoltaic power generation credit business,and effectively promotes the realization of China’s "double carbon" strategic goal.