Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit

Tianjin Agricultural Bank Loan Risk Management Research

Author YueZuo
Tutor YueDianMin
School Hebei University of Technology
Course Business Administration
Keywords syndicated loan bank risk management project management
CLC F832.4
Type Master's thesis
Year 2013
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With China’s rapid economic growth, many large-scale investment in the construction ofkey projects, these projects often require huge financial support, which makes the internationalfinancial markets widely used syndicated loans into the domestic financial market. Commercialbank syndicated loans, with rapid economic growth and rapidly developed a new financialproduct. Compared with the traditional bilateral loans, syndicated loans with the loan amount,long time, participating banks and more easy to spread risk and a substantial fee income andother characteristics and advantages, and thus the field of international finance an important formof long-term loans. Through participation in syndicated loans to banks to spread credit risk,effectively expanding the size of bank assets, the lead line and receive substantial arrangementfees, or potential customers to explore other business development resources. In short,syndicated bank loans to other businesses can not provide many convenient options. As thedomestic capital market and credit system of continuous development and improvement,beginning in2005, China’s domestic syndicated loans start at an annual growth rate of more than50%. Shanghai, Beijing, Guangdong and other regional financial centers of the increase is evenmore apparent.Currently syndicated commercial bank loans has become the most competitive andprofitable core business, has become large-scale project finance, mergers and acquisitions andother important business financing.In China, the development of syndicated loans still in its infancy, lagging far behind thedevelopment of international markets, how to proactively identify and prevent commercial banksyndicated loans, project risk, the commercial banks to maximize the return on investment,commercial bank syndicated lending the key to success.This thesis first reviews the project risk management-related theories and methods ofexisting commercial bank syndicated loan project risk management system into the theory ofcomparative analysis; then, in-depth analysis of the Tianjin ABC Bank syndicated loancharacteristics and environmental projects, projects stakeholders, management and technology infour areas of risk source; then use the commercial bank syndicated loan project risk managementknowledge and tools of Tianjin ABC Bank syndicated loan project risk identification, riskassessment, risk response planning, risk monitoring and organizational protection, and asummary and analysis, and ultimately to form a complete set of commercial bank syndicatedloans and project risk management system strategy, risk management, summed up severalimportant conclusions to guide commercial banks in syndicated lending project risk management, improve project management efficiency shorten the project cycle, reduce project costs, therebycreating maximum value and efficiency.

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