發(fā)布時(shí)間：2018-04-20 00:06

  本文選題：食品行業(yè) + 信貸方案�。� 參考：《華僑大學(xué)》2017年碩士論文

【摘要】：食品行業(yè)是一個(gè)古老的產(chǎn)業(yè),但同時(shí)它也是一個(gè)朝陽(yáng)產(chǎn)業(yè)。經(jīng)濟(jì)水平的發(fā)展、人們生活水平的提高進(jìn)一步促進(jìn)了人們對(duì)食品的需求,也推動(dòng)了食品制造工藝水平的進(jìn)步,整合優(yōu)化了食品的行業(yè)結(jié)構(gòu),食品的產(chǎn)品品種得到了極大的豐富�？偠灾�,食品行業(yè)發(fā)展至今,取得了巨大的發(fā)展和拓展。食品行業(yè)作為泉州市重要支柱產(chǎn)業(yè)和五大傳統(tǒng)產(chǎn)業(yè)之一,目前泉州已經(jīng)形成了一大批具有全國(guó)市場(chǎng)影響力的品牌,尤其是在休閑食品方面,已躋身全國(guó)三大生產(chǎn)基地之一。同時(shí),泉州的食品行業(yè)也開始向高端食品研發(fā)、轉(zhuǎn)型、進(jìn)階,同時(shí)開辟了歐美、日本、韓國(guó)、澳大利亞、新加坡等國(guó)際市場(chǎng)。與泉州食品行業(yè)廣闊的市場(chǎng)和巨大的發(fā)展?jié)摿ο啾?興業(yè)銀行泉州分行現(xiàn)有的業(yè)務(wù)狀況更顯得微不足道,缺乏整體營(yíng)銷方案,公私聯(lián)動(dòng)情況一般,對(duì)小微食品企業(yè)介入較少,營(yíng)銷方案較單一,使用的產(chǎn)品品種較少,粘性較差,未形成系統(tǒng)的供應(yīng)鏈金融業(yè)務(wù),且信貸風(fēng)險(xiǎn)的擔(dān)保方式以保證擔(dān)保和信用免擔(dān)保為主,風(fēng)險(xiǎn)保障水平較低。對(duì)食品行業(yè)信貸業(yè)務(wù)的需求分析不到位、對(duì)食品行業(yè)產(chǎn)業(yè)鏈上不同市場(chǎng)主體的信貸政策沒(méi)有針對(duì)性、信貸業(yè)務(wù)沒(méi)有很好地支持興業(yè)銀行泉州分行的戰(zhàn)略定位,弱化了興業(yè)銀行泉州分行在泉州區(qū)域食品業(yè)市場(chǎng)的同行競(jìng)爭(zhēng)力。本文著重突出當(dāng)前泉州食品行業(yè)各環(huán)節(jié)的信貸需求,通過(guò)對(duì)興業(yè)銀行泉州分行在食品行業(yè)信貸現(xiàn)狀的深入了解及分析,對(duì)興業(yè)銀行泉州分行食品行業(yè)的信貸方案提出自己的觀點(diǎn),基于規(guī)模及供應(yīng)鏈鏈兩個(gè)維度,對(duì)泉州食品行業(yè)的信貸方案進(jìn)行設(shè)計(jì),制定具有針對(duì)性的信貸服務(wù)方案和產(chǎn)品,并提出相關(guān)的風(fēng)險(xiǎn)控制建議。本論文通過(guò)對(duì)興業(yè)銀行泉州分行食品行業(yè)信貸業(yè)務(wù)發(fā)展現(xiàn)狀的分析,總結(jié)其存在的問(wèn)題,從而針對(duì)興業(yè)銀行泉州分行未來(lái)在食品行業(yè)的信貸業(yè)務(wù)提出具有參考價(jià)值的對(duì)策及策略,使其更具有現(xiàn)實(shí)意義。
[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.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F426.82;F832.4

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