Generally speaking, the project has entered the project approval stage, and the evaluation report (or review report) of the project has been signed and approved by the competent bank department, so the project loan risk can be entered according to the values in the evaluation conclusion table. For details, please refer to Annex-Evaluation Table 7: Project Loan Risk Measurement Table of this report.

The specific calculation method is as follows:

project

Measured value

Scoring value

1, the borrower's credit rating

2. Asset-liability ratio

3. Current ratio

4, quick ratio

5. Loan repayment period

6. Debt service guarantee ratio

7. Internal rate of return of the project

aggregate score

Project risk level

Loan model coefficient

Risk degree of project loan

According to the score of the above 1-7 index, the project risk grade coefficient is obtained, and then the loan mode coefficient is obtained according to the guarantee subject of the project loan.

Project loan risk = project risk level × loan mode coefficient.