Research on the Risk’s Management of Commercial Banks
|School||Xi'an University of Petroleum|
|Keywords||Commercial bank Project loans Risk Management|
Project financing as a way for large construction projects effective way to raise funds, has been the major international project financing widely used. The point of view of the mature works of the project financing, commercial bank loans are still the most important source of funding. Relatively longer time of project financing, large scale, many participants and complex structure of commercial banks as an important participant of the project financing in the entire process of project financing under tremendous risk. Project loans in recent years, rapid development in our country, and has become the main domestic bank lending field. At the same time, China's commercial banks basically established a project loan risk management, internal control system, the initial formation of a mutual restraint, mutual supervision, project loan risk management, internal control mechanisms. China's commercial banks, however, because of the institutional and historical reasons, the risk management capability is relatively weak, there is a gap for the project loan risk control and management capabilities with the internationally renowned banks, bank credit project risk management system is not yet fully adapted to prevent to resolve the needs of the project loan risk, project management of credit risk in our country is still short board of the bank management, is still one of the main factors restricting its development. Therefore, understanding the risk of the project loan to build the project loan risk management system to handle risk countermeasures to develop the system, and has a very important practical significance for commercial banks to prevent and defuse the project loan risk. Domestic scholars in China for loans from commercial banks project risk research studies are mainly concentrated in the banks' overall risk of project loans, or a single client project loan risk. Project loan risk management, you are just starting out. Research is more dispersed, the entire theoretical framework is still not perfect, and the experience of Western countries is also very limited. Therefore, in order to narrow the gap between commercial banks and the Western developed countries, to better adapt to the more serious challenges to foreign commercial banks to enter the commercial banks in China should learn from the existing foreign project loan risk management research results and practical experience the context of China's actual situation, to explore the project loan risk management methods applicable to commercial banks in China. This is exactly the point of departure of this article. This article selected from this point of research projects of the commercial bank loan risk management issues. In this paper, on the basis of the theory of risk management in the brief commercial banks project loans, analyzed the problems existing in the current loan risk management of commercial banks in China, and risk management experience of the World Bank in order to draw the design project loan risk management of commercial banks in China and be applied in specific instances of risk management for project loans, that raising the level of credit risk management of commercial banks in China to provide advice.