發(fā)布時間：2018-05-02 05:11

  本文選題：畜禽飼料 + 貸款項目　； 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：中國在這些年里面一直堅持在金融上的革新，而整體對于各類風(fēng)險的掌控顯然已經(jīng)是商行未來的發(fā)展、力求在市場占有一席之地的關(guān)鍵方法當(dāng)中的一種。對于客戶想要貸款而提出相關(guān)訴求的時候，銀行不僅僅要為自己的利益著想，還要考慮其中存在的風(fēng)險。銀行究竟是否決定貸款還是要進行評估的。支持中小企業(yè)發(fā)展，扶持農(nóng)業(yè)經(jīng)濟十分符合我國的現(xiàn)有國情及政策。從廣生公司的角度來說，這種高產(chǎn)的項目自身來說就有相當(dāng)多的優(yōu)點，在銀行看來，這個項目乃是符合了我國在農(nóng)業(yè)上的政策，而且與銀行指定的貸款政策也是比較吻合的。本文將重點根據(jù)目前小企業(yè)信貸業(yè)務(wù)發(fā)展?fàn)顩r，聯(lián)系本人所在區(qū)域的實際情況，以工商銀行廣生公司畜禽飼料貸款項目為例，，對中小企業(yè)貸款風(fēng)險與收益問題作深入探討，并提出相關(guān)對策和建議。 本文共分為五個部分。第一部分為緒論。提出該課題的研究背景、研究意義，對本文的研究方法和內(nèi)容做了大致地介紹。 第二部分為工商銀行廣生公司畜禽飼料貸款項目現(xiàn)狀及存在的問題。對廣生公司畜禽飼料項目需求進行了分析，對廣生公司畜禽飼料項目進行了介紹，并且探討了廣生公司畜禽飼料貸款項目存在的問題。 第三部分工商銀行為廣生公司畜禽飼料貸款項目存在的風(fēng)險分析。主要從項目市場風(fēng)險、項目信用風(fēng)險、項目財務(wù)風(fēng)險三方面對廣生公司畜禽飼料貸款項目存在的風(fēng)險進行了分析。上述項目重點服務(wù)對象就是從事養(yǎng)殖的農(nóng)民，貸款的人是否受到不良影響要看養(yǎng)殖的規(guī)模大小，還要看銷售情況，可以說還是有一定的風(fēng)險的。項目中主要的商品就是飼料，雖然說已經(jīng)獲得了專利權(quán)，而且也進行了綠色認(rèn)證，還形成了品牌，不過因為其他的飼料品牌公司家大業(yè)大，銷售渠道豐富，進而對這個項目來說有相當(dāng)大的競爭壓力。同時廣生公司畜禽飼料貸款項目信用風(fēng)險較高，財務(wù)管理存在一定方面的不利因素，這些風(fēng)險對廣生公司畜禽飼料貸款項目產(chǎn)生了不利影響。 第四部分為工商銀行廣生公司畜禽飼料貸款項目風(fēng)險控制措施，主要如下：市場風(fēng)險的控制措施、信用風(fēng)險的控制措施、財務(wù)風(fēng)險的控制措施。面對風(fēng)險，工商銀行銀行可以幫助企業(yè)進行風(fēng)險分析，幫助企業(yè)進行行業(yè)分析預(yù)測，并對未來一段時間內(nèi)行業(yè)的形勢進行預(yù)測，從風(fēng)險控制、風(fēng)險回避、風(fēng)險適應(yīng)三個方面入手，指導(dǎo)企業(yè)進行風(fēng)險規(guī)避。面對信用風(fēng)險和財務(wù)風(fēng)險，可以通過建立信用保障體系和建立內(nèi)部控制機制來進一步降低風(fēng)險。 第五部分為結(jié)論。對全文進行了總結(jié)與展望。廣生公司應(yīng)強化經(jīng)營管理，提高自身的融資能力。要在競爭激烈的市場中立足，并且取得金融機構(gòu)的支持，通過股權(quán)融資從根本上壯大企業(yè)實力和抗風(fēng)險能力，還要從以下五個方面加強自身建設(shè)：(1)要努力提高自身效益(2)要加大技術(shù)創(chuàng)新力度(3)要提高財務(wù)管理水平(4)要關(guān)注公司建成的資信(5)要走聯(lián)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).

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F832.43

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