银行信贷支持江苏中能硅业科技发展有限公司案例研究

发布时间：2018-03-20 05:26

本文选题：银行信贷　切入点：中能硅业　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国光伏产业在短短的10年里,经历了从高速扩张到产能过剩的大起大落式发展,而银行在此过程中扮演了推波助澜的角色。因为光伏是资本高度聚集的行业,银行在光伏产业发展的初期采取激进策略,过量的信贷投放,既满足了企业快速发展的资金需求,也助推了产业规模膨胀,当然银行在此过程中也取得了丰厚的综合收益;但国家政策和市场环境一旦发生变化,银行又断然实施压贷、抽贷,造成一些企业财务运转困难,甚至关停、倒闭、淘汰出局,加速了光伏产业的衰败,与此同时对银行的信贷结构与资产质量也产生重大不利影响。由此可见,银行在经营中如果不坚持审慎评估和差异化信贷经营策略,“一窝蜂”式的跟进和退出,既不利于企业和产业可持续发展,也影响到银行的收益和风险。因此,银行针对产能过剩行业,建议采取有保有压的差异化信贷经营思路,既要关注产业政策调整变化,又要加强信贷对象的个体分析,客观判断信用风险,持续加强过剩产业中优质企业的信贷支持,进而实现银企共赢。有鉴于此,本文以银行信贷支持江苏中能硅业科技发展有限公司(以下简称中能硅业)的案例为研究对象,总结在市场环境不确定条件下,如何分析、发现、培育和支持优质企业金融需求,实现客户与银行双赢策略的规律性做法,进而提升商业银行可持续发展能力。因此,本文首先借鉴了银行融资的相关理论,并对光伏产业过剩、银行信贷融资支持等文献进行了阐述。其次,详细阐述了中能硅业的概况和银行信贷支持光伏产业的现状,并对银行信贷支持企业的情况进行了介绍。再次,对银行信贷支持中能硅业的原因和所产生的效果进行分析,并指出银行信贷在支持中能硅业中存在的问题。最后,从建立银行信贷业务创新机制、优化贷款定价和全面风险防控等三个方面对银行信贷支持产能过剩产业中优质企业提出合理化建议和对策。
[Abstract]:China's photovoltaic industry in just 10 years, has experienced rapid expansion from excess capacity to change radically development, and banks in this process plays a important role. Because the PV is highly capital intensive industry, banks take aggressive strategy in the early development of photovoltaic industry, excessive credit, not only to meet the fast the development of the financial needs of the enterprise, but also boost the industrial scale expansion of banks in this process has also made huge comprehensive income; but the national policy and market environment once changed, the bank has implemented the loan pressure, pumping loans, causing some enterprise financial operation difficult, or even shut down, closed, eliminated, accelerated the decline the photovoltaic industry, at the same time also have a significant adverse impact on the credit structure and bank asset quality. Thus, if the banks do not adhere to the careful evaluation and difference Credit business strategy, "like a swarm of bees" type of follow up and out, is not conducive to the sustainable development of the enterprise and the industry, but also affect the bank's earnings and risk. Therefore, banks in industries with excess capacity, recommended to maintain pressure in the differentiated credit management ideas, not only to change the adjustment of industrial policy, individual credit analysis the object must strengthen the objective judgment, credit risk, excess industry continued to strengthen quality enterprises credit support, so as to realize the win-win situation between banks. In view of this, based on bank credit support to the silicon industry science and technology development limited company in Jiangsu (hereinafter referred to as the silicon industry) the case as the object of study, summed up in the market environment under the condition of uncertainty how to analyze, find, nurture and support the financial needs of high-quality enterprises, to achieve a win-win strategy of practice of the customer and the bank, and then promote the sustainable development of commercial banks because of ability. For this, this paper draws lessons from the relevant theory of bank financing, and the excess of the PV industry, bank credit financing support documents are described. Secondly, elaborates the status quo of photovoltaic industry support in the silicon industry and the general situation of bank credit, and bank credit support to enterprises are introduced. Thirdly, the reason bank credit support in the silicon industry and the effect is analyzed, and pointed out that bank credit can exist in the silicon industry in support of the problem. Finally, from the establishment of bank credit business innovation mechanism, three aspects of optimization of loan pricing and comprehensive risk prevention and control of bank credit support capacity rationalization suggestions and Countermeasures the excess industry quality companies.

【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

【参考文献】