Z银行对黑龙江BK钢铁公司授信评估研究

发布时间：2018-03-10 16:33

本文选题：风险管理　切入点：SWOT分析法　出处：《黑龙江大学》2013年硕士论文　论文类型：学位论文

【摘要】：受基础设施建设、机械和汽车制造业等下游产业客户的影响，以及房地产成交量随着政府调控政策出台的逐步萎缩，整个钢铁行业出现需求危机，在这样的背景环境下，钢铁生产厂如何通过制定战略规划和有效的经营管理对策去渡过销售低谷，获得银行授信额度支持，夯实自身生产实力，拓展新的业务增长点是值得去研究和探讨的问题。本文以银行的视角对东北地区最大的民营钢材生产厂家，黑龙江BK钢铁公司进行授信评估分析研究，通过对企业所处的行业背景、历史沿革、管理层面等进行系统的战略分析，，并对资产负债情况、现金流量情况、资金结构、应收款项等情况进行全面的财务分析、从战略和财务分析角度对黑龙江BK钢铁公司的经营与发展趋势进行预判，以确保黑龙江BK钢铁公司的还款能力，同时对授信评估结论进行系统研究。本文通过全面、客观的分析，提出了Z银行对贷款企业在授信业务领域中的信贷投放策略建议，并针对Z银行与黑龙江BK钢铁公司的此笔授信业务提出了具体的风险防范和管理措施，使商业银行在授信风险评估的管理过程中更加规范、高效。
[Abstract]:Affected by customers in downstream industries such as infrastructure construction, machinery and automobile manufacturing, and the volume of real estate transactions gradually shrinking with the introduction of government regulation and control policies, the entire steel industry is facing a demand crisis. Under such a background environment, How to make strategic plan and effective management countermeasures to overcome the sales trough, get the credit support of the bank, and consolidate their own production strength, the iron and steel production plant through the formulation of strategic planning and effective management countermeasures, It is worth studying and discussing to expand the new business growth point of view. From the perspective of the bank, this paper makes a credit evaluation and analysis study on Heilongjiang BK Iron and Steel Company, the largest private steel manufacturer in Northeast China. Through a systematic strategic analysis of the industry background, history and management level of the enterprise, and a comprehensive financial analysis of the situation of assets and liabilities, cash flow, capital structure, receivables and so on, In order to ensure the repayment ability of BK Iron & Steel Company in Heilongjiang Province, the management and development trend of BK Iron and Steel Company of Heilongjiang Province are forecasted from the angle of strategic and financial analysis, and the credit evaluation conclusions are systematically studied at the same time. Based on the comprehensive and objective analysis, this paper puts forward the suggestion of the credit investment strategy of Z Bank to the loan enterprise in the field of credit business. Aiming at the credit business of Z Bank and Heilongjiang BK Iron and Steel Company, the paper puts forward concrete risk prevention and management measures, which makes commercial banks more standardized and efficient in the management process of credit risk assessment.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F426.31;F832.2

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