工商银行广生公司畜禽饲料贷款项目风险控制研究

发布时间：2018-05-02 05:11

本文选题：畜禽饲料 + 贷款项目　；参考：《吉林大学》2014年硕士论文

【摘要】：中国在这些年里面一直坚持在金融上的革新，而整体对于各类风险的掌控显然已经是商行未来的发展、力求在市场占有一席之地的关键方法当中的一种。对于客户想要贷款而提出相关诉求的时候，银行不仅仅要为自己的利益着想，还要考虑其中存在的风险。银行究竟是否决定贷款还是要进行评估的。支持中小企业发展，扶持农业经济十分符合我国的现有国情及政策。从广生公司的角度来说，这种高产的项目自身来说就有相当多的优点，在银行看来，这个项目乃是符合了我国在农业上的政策，而且与银行指定的贷款政策也是比较吻合的。本文将重点根据目前小企业信贷业务发展状况，联系本人所在区域的实际情况，以工商银行广生公司畜禽饲料贷款项目为例，，对中小企业贷款风险与收益问题作深入探讨，并提出相关对策和建议。本文共分为五个部分。第一部分为绪论。提出该课题的研究背景、研究意义，对本文的研究方法和内容做了大致地介绍。第二部分为工商银行广生公司畜禽饲料贷款项目现状及存在的问题。对广生公司畜禽饲料项目需求进行了分析，对广生公司畜禽饲料项目进行了介绍，并且探讨了广生公司畜禽饲料贷款项目存在的问题。第三部分工商银行为广生公司畜禽饲料贷款项目存在的风险分析。主要从项目市场风险、项目信用风险、项目财务风险三方面对广生公司畜禽饲料贷款项目存在的风险进行了分析。上述项目重点服务对象就是从事养殖的农民，贷款的人是否受到不良影响要看养殖的规模大小，还要看销售情况，可以说还是有一定的风险的。项目中主要的商品就是饲料，虽然说已经获得了专利权，而且也进行了绿色认证，还形成了品牌，不过因为其他的饲料品牌公司家大业大，销售渠道丰富，进而对这个项目来说有相当大的竞争压力。同时广生公司畜禽饲料贷款项目信用风险较高，财务管理存在一定方面的不利因素，这些风险对广生公司畜禽饲料贷款项目产生了不利影响。第四部分为工商银行广生公司畜禽饲料贷款项目风险控制措施，主要如下：市场风险的控制措施、信用风险的控制措施、财务风险的控制措施。面对风险，工商银行银行可以帮助企业进行风险分析，帮助企业进行行业分析预测，并对未来一段时间内行业的形势进行预测，从风险控制、风险回避、风险适应三个方面入手，指导企业进行风险规避。面对信用风险和财务风险，可以通过建立信用保障体系和建立内部控制机制来进一步降低风险。第五部分为结论。对全文进行了总结与展望。广生公司应强化经营管理，提高自身的融资能力。要在竞争激烈的市场中立足，并且取得金融机构的支持，通过股权融资从根本上壮大企业实力和抗风险能力，还要从以下五个方面加强自身建设：(1)要努力提高自身效益(2)要加大技术创新力度(3)要提高财务管理水平(4)要关注公司建成的资信(5)要走联合之路。
[Abstract]:China has persisted in financial innovation over the years, and the overall control of all kinds of risks is clearly one of the key methods for the future development of the business, and one of the key ways to take a place in the market. Consider whether the risk exists. Whether the bank decides the loan or whether it should be evaluated. To support the development of the small and medium-sized enterprises and to support the agricultural economy is in line with the current national conditions and policies of our country. From the perspective of Guangsheng company, the high yield project itself has quite a lot of advantages. In the view of the bank, the project is in line with it. The policy of our country in agriculture is also consistent with the loan policy specified by the bank. This article will focus on the current situation of the credit business development of small enterprises, contact the actual situation in my region, take the livestock and poultry feed loan project of industrial and Commercial Bank Guangsheng company as an example, and make an in-depth study on the loan risk and income of small and medium-sized enterprises. Discuss and put forward relevant countermeasures and suggestions.
This article is divided into five parts. The first part is the introduction. It puts forward the research background, research significance, and gives a general introduction to the research methods and contents of this article.
The second part is the current situation and existing problems of the livestock and poultry feed loan project of Guangsheng company of industrial and commercial bank. The demand for livestock and poultry feed project of Guangsheng company is analyzed, the animal feed project of Guangsheng company is introduced, and the existing problems of the livestock and poultry feed loan project of Guangsheng company are discussed.
The third part is the risk analysis of the Commercial Bank of industrial and commercial bank for the livestock and poultry feed loan project of Guangsheng company. It mainly analyzes the risk of the animal feed loan project of Guangsheng company from three aspects of the project market risk, the project credit risk and the project financial risk. The key service object of the above project is the farmers who are engaged in the farming and the loan people. Whether or not to be adversely affected depends on the size of the culture, but also to see the sales situation, can be said to have a certain risk. The main item in the project is feed, although it has won the patent, and has also carried out green certification, but also the formation of the brand, but for the other feed Brand Company big industry, sales of Qu Daofeng At the same time, the credit risk of the livestock and poultry feed loan project of Guangsheng company is high, and the financial management has some unfavorable factors. These risks have adverse effects on the livestock and poultry feed loan project of Guangsheng company.
The fourth part is the risk control measures for the livestock and poultry feed loan project of the industrial and Commercial Bank of Guangsheng company, mainly as follows: the control measures of the market risk, the control measures of the credit risk, the control measures of the financial risk. Facing the risk, the Bank of Commerce and Industry bank can help the enterprise to analyze the risk, help the enterprise to carry on the industry analysis and forecast, and to the future In a period of time, the situation of the industry is predicted. From the three aspects of risk control, risk avoidance and risk adaptation, enterprises should be guided to avoid risk. In the face of credit risk and financial risk, the credit guarantee system and the establishment of internal control mechanism can be used to further reduce the risk.
The fifth part is the conclusion. The paper makes a summary and prospects for the full text. Guangsheng company should strengthen its management and improve its financing ability. It should be foothold in the competitive market, and obtain the support of financial institutions, strengthen the strength of enterprise and the ability of anti risk through equity financing, and strengthen its own construction from the following five aspects. Set up: (1) we should strive to improve their own benefits (2) to increase technological innovation (3) to improve the level of financial management (4) to pay attention to the credit (5) of the company (5).

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.43

【参考文献】