兴业银行泉州分行食品行业信贷方案设计与风险控制研究

发布时间：2018-04-20 00:06

本文选题：食品行业 + 信贷方案　；参考：《华侨大学》2017年硕士论文

【摘要】：食品行业是一个古老的产业,但同时它也是一个朝阳产业。经济水平的发展、人们生活水平的提高进一步促进了人们对食品的需求,也推动了食品制造工艺水平的进步,整合优化了食品的行业结构,食品的产品品种得到了极大的丰富。总而言之,食品行业发展至今,取得了巨大的发展和拓展。食品行业作为泉州市重要支柱产业和五大传统产业之一,目前泉州已经形成了一大批具有全国市场影响力的品牌,尤其是在休闲食品方面,已跻身全国三大生产基地之一。同时,泉州的食品行业也开始向高端食品研发、转型、进阶,同时开辟了欧美、日本、韩国、澳大利亚、新加坡等国际市场。与泉州食品行业广阔的市场和巨大的发展潜力相比,兴业银行泉州分行现有的业务状况更显得微不足道,缺乏整体营销方案,公私联动情况一般,对小微食品企业介入较少,营销方案较单一,使用的产品品种较少,粘性较差,未形成系统的供应链金融业务,且信贷风险的担保方式以保证担保和信用免担保为主,风险保障水平较低。对食品行业信贷业务的需求分析不到位、对食品行业产业链上不同市场主体的信贷政策没有针对性、信贷业务没有很好地支持兴业银行泉州分行的战略定位,弱化了兴业银行泉州分行在泉州区域食品业市场的同行竞争力。本文着重突出当前泉州食品行业各环节的信贷需求,通过对兴业银行泉州分行在食品行业信贷现状的深入了解及分析,对兴业银行泉州分行食品行业的信贷方案提出自己的观点,基于规模及供应链链两个维度,对泉州食品行业的信贷方案进行设计,制定具有针对性的信贷服务方案和产品,并提出相关的风险控制建议。本论文通过对兴业银行泉州分行食品行业信贷业务发展现状的分析,总结其存在的问题,从而针对兴业银行泉州分行未来在食品行业的信贷业务提出具有参考价值的对策及策略,使其更具有现实意义。
[Abstract]:Food industry is an ancient industry, but it is also a sunrise industry. With the development of economic level and the improvement of people's living standard, people's demand for food, the progress of food manufacturing technology, the integration and optimization of food industry structure have been further promoted, and the variety of food products has been greatly enriched. To sum up, the food industry has made great progress and expansion. As an important pillar industry and one of the five traditional industries in Quanzhou, the food industry has formed a large number of brands with national market influence, especially in the field of snack food, which has become one of the three major production bases in China. At the same time, Quanzhou food industry also began to high-end food research and development, transformation, advanced, while opening up Europe and the United States, Japan, South Korea, Australia, Singapore and other international markets. Compared with the vast market and huge development potential of the food industry in Quanzhou, the existing business situation of Quanzhou Branch of Industrial Bank is more insignificant, lacking of overall marketing plan, general public-private linkage, and less involvement in small and micro food enterprises. The marketing scheme is single, the products used are less variety, the viscosity is poor, no systematic supply chain financial business has been formed, and the guarantee mode of credit risk is mainly guarantee and credit free guarantee, and the level of risk guarantee is low. The demand analysis of food industry credit business is not in place, there is no pertinence to the credit policy of different market entities in the food industry industry chain, and credit business does not support the strategic positioning of Quanzhou Branch of Industrial Bank of China. Weakened the Industrial Bank Quanzhou Branch in the Quanzhou regional food industry market competitiveness. This paper focuses on highlighting the credit demand in various sectors of the food industry in Quanzhou, and through in-depth understanding and analysis of the credit situation in the food industry of Quanzhou Branch of Industrial Bank of China. Based on the two dimensions of scale and supply chain, this paper designs the credit scheme of Quanzhou food industry, and formulates the targeted credit service scheme and products. And puts forward the related risk control suggestion. Based on the analysis of the current situation of credit development of food industry in Quanzhou Branch of Industrial Bank of China, this paper summarizes the existing problems. In view of the future credit business in the food industry of Quanzhou Branch of Industrial Bank, the countermeasures and strategies with reference value are put forward, which makes it more practical.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F426.82;F832.4

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