农业发展银行A行信贷支持水产加工企业的风险管理研究

发布时间：2018-06-21 23:20

本文选题：农业发展银行 + 水产加工　；参考：《华侨大学》2014年硕士论文

【摘要】：近年来，农业发展银行A行信贷支农范围不断拓宽，积极开办支持水产加工企业的各类贷款品种和金融服务，不断发挥政策性银行职能，支持培育一批水产加工企业发展壮大。本文在描述了水产加工企业的基本状况后，从农业发展银行A行风险管理的角度出发，以在泉州当地知名的水产加工企业——HBMX公司作为案例，运用风险分析方法详细分析水产加工企业可能存在的各种内外部风险因素，进而提出针对性的风险管理措施。一、水产加工企业的基本状况。在泉州地区的水产加工企业拥有较好的市场发展前景和资源优势，，在不断地扩大再生产的过程中，融资需求越来越强。然而，从农业发展银行的角度来看，水产加工企业虽然是一个重要的信贷发展领域，但是仍存在较多的风险因素。二、信贷风险理论。银行的信贷风险制度，从管理学的角度来看，是一个“识别-估计-评价-决策-监测”的动态过程，从实务操作的角度来看，是一个“贷前-贷中-贷后”的管理流程。三、水产加工企业存在的风险。从管理学的角度逐步分析为水产加工企业提供信贷资金的过程中存在的财务风险、信息不对称风险、担保措施难以覆盖、还贷资金监控难度大、市场风险等内外部风险。四、风险管理措施。基于水产加工企业存在的各种风险，针对性地提出了多项风险管理措施。一是开展以企业为单位的风险识别。对于农业发展银行而言，07年才开始办理商业性信贷业务，对风险管理的理念仍停留在封闭运行管理阶段对粮棉油管理的方法，故强调以一种适应市场发展趋势的风险管理理念来面对水产加工企业信贷风险有着现实意义。二是运用新型担保方式。往往因为水产加工企业难以提供符合银行要求的传统的担保方式，而陷入融资难的困境，因此建议接受应收账款质押、专业担保公司担保等新型担保方式，在风险可控的前提下，实现业务发展。三是开发风险量化模型。这作为一种固定化、模式化、规范化的风险监测工具，在银行的风险管理中占有重要位置，但目前农业发展银行A行尚未开发这样的模型。所以，从风险控制的角度，建议农业发展银行重视量化模型的重要性。四是研发特色支付结算工具。因农业发展银行网点设置少，加上水产加工企业向渔民收购原材料时，渔民的现金结算偏好，使得作为第一还款来源的流动资金无法在银行监测范围内，为了防范这一风险，提出切实可行的结算方法。五是加快建立行业标准数据库。农业发展银行正在尝试建立以行业为单位的风险分析数据库，这对今后在进行信贷调查时分析行业风险具有指导作用。六是侧重监督家族式企业的管理者。这一措施是根据泉州地区水产加工企业多为家族式企业的特性而提出的，法定代表人可能并不是实际控制人，而实际控制人的决策却对企业的经营产生重要影响，所以，也应将其作为风险管理的一个重要对象。
[Abstract]:In recent years, the A Bank of Agricultural Development Bank has widened the scope of credit supporting agriculture, actively set up various kinds of loan varieties and financial services to support aquatic processing enterprises, constantly exerting the function of policy bank and supporting the development and expansion of a batch of aquatic processing enterprises. After describing the basic situation of the fishery additive enterprises, this article from the Agricultural Development Bank A line From the perspective of risk management, the HBMX company, a well-known local aquatic processing enterprise in Quanzhou, is used as a case to analyze the possible internal and external risk factors that may exist in the aquatic processing enterprises by using the risk analysis method, and then put forward the targeted risk management measures.
First, the basic situation of aquatic processing enterprises. In Quanzhou area, aquatic products processing enterprises have better market development prospects and resource advantages. In the process of continuous expansion of reproduction, the demand for financing is becoming more and more strong. However, from the angle of Agricultural Development Bank, the aquatic processing enterprise is an important field of credit development, but There are still more risk factors.
Two, credit risk theory, the bank credit risk system, from the perspective of management, is a dynamic process of "identification - estimate - Evaluation - decision - monitoring". From the perspective of practical operation, it is a "pre loan to loan to loan" management process.
Three, the risk of aquatic products processing enterprises. From the perspective of management, it is gradually analyzed the financial risks in the process of providing credit funds for the aquatic processing enterprises, the risk of asymmetric information, the difficulty of covering the guarantee measures, the difficulty of monitoring the loan of the loans, and the internal and external risks of the market risk.
Four, risk management measures. Based on various risks existing in aquaculture enterprises, a number of risk management measures are put forward. One is to carry out risk identification with enterprise as a unit. For the Agricultural Development Bank, the business credit business is not started for 07 years. The concept of risk management remains in the closed operation management stage. The management method of grain and cotton oil, therefore, emphasizes that it is of practical significance to face the credit risk of aquatic processing enterprises with a risk management concept adapted to the trend of market development. The two is to use the new guarantee method. The new guarantee methods such as receivable accounts receivable, professional Guarantee Corporation guarantee and other new guarantee methods can achieve business development under the premise of risk control. Three is a quantitative model of development risk. As a fixed, model and standardized risk monitoring tool, it occupies an important position in the bank's risk management, but at present, the Bank of Agricultural Development Bank (A) is still a bank. No such model is developed. Therefore, from the perspective of risk control, it is suggested that the agricultural development bank pay attention to the importance of the quantitative model. Four is the research and development of the special payment and settlement tool. Because of the small establishment of the agricultural development bank network, and the cash settlement preference of the fishermen when the fishery processing enterprises buy the raw materials to the fishermen, it makes the first repayment source. In order to prevent this risk, mobile funds can not be monitored. In order to prevent this risk, a practical and feasible settlement method is proposed. Five is to speed up the establishment of industry standard database. The agricultural development bank is trying to establish a risk analysis database with industry as a unit, which has a guiding role in the analysis of industry risk in the future of the credit investigation. Six It is to supervise the manager of the family enterprise. This measure is based on the characteristics of the aquatic processing enterprises in Quanzhou as a family enterprise. The legal representative may not be the actual controller, but the decision of the actual controller has an important influence on the management of the enterprise. Therefore, it should also be regarded as a heavy risk management. Object.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F326.5

【参考文献】