本文選題：農(nóng)業(yè)發(fā)展銀行 + 水產(chǎn)加工　； 參考：《華僑大學》2014年碩士論文

【摘要】：近年來，農(nóng)業(yè)發(fā)展銀行A行信貸支農(nóng)范圍不斷拓寬，積極開辦支持水產(chǎn)加工企業(yè)的各類貸款品種和金融服務，不斷發(fā)揮政策性銀行職能，支持培育一批水產(chǎn)加工企業(yè)發(fā)展壯大。本文在描述了水產(chǎn)加工企業(yè)的基本狀況后，從農(nóng)業(yè)發(fā)展銀行A行風險管理的角度出發(fā)，以在泉州當?shù)刂乃a(chǎn)加工企業(yè)——HBMX公司作為案例，運用風險分析方法詳細分析水產(chǎn)加工企業(yè)可能存在的各種內(nèi)外部風險因素，進而提出針對性的風險管理措施。 一、水產(chǎn)加工企業(yè)的基本狀況。在泉州地區(qū)的水產(chǎn)加工企業(yè)擁有較好的市場發(fā)展前景和資源優(yōu)勢，，在不斷地擴大再生產(chǎn)的過程中，融資需求越來越強。然而，從農(nóng)業(yè)發(fā)展銀行的角度來看，水產(chǎn)加工企業(yè)雖然是一個重要的信貸發(fā)展領域，但是仍存在較多的風險因素。 二、信貸風險理論。銀行的信貸風險制度，從管理學的角度來看，是一個“識別-估計-評價-決策-監(jiān)測”的動態(tài)過程，從實務操作的角度來看，是一個“貸前-貸中-貸后”的管理流程。 三、水產(chǎn)加工企業(yè)存在的風險。從管理學的角度逐步分析為水產(chǎn)加工企業(yè)提供信貸資金的過程中存在的財務風險、信息不對稱風險、擔保措施難以覆蓋、還貸資金監(jiān)控難度大、市場風險等內(nèi)外部風險。 四、風險管理措施。基于水產(chǎn)加工企業(yè)存在的各種風險，針對性地提出了多項風險管理措施。一是開展以企業(yè)為單位的風險識別。對于農(nóng)業(yè)發(fā)展銀行而言，07年才開始辦理商業(yè)性信貸業(yè)務，對風險管理的理念仍停留在封閉運行管理階段對糧棉油管理的方法，故強調(diào)以一種適應市場發(fā)展趨勢的風險管理理念來面對水產(chǎn)加工企業(yè)信貸風險有著現(xiàn)實意義。二是運用新型擔保方式。往往因為水產(chǎn)加工企業(yè)難以提供符合銀行要求的傳統(tǒng)的擔保方式，而陷入融資難的困境，因此建議接受應收賬款質(zhì)押、專業(yè)擔保公司擔保等新型擔保方式，在風險可控的前提下，實現(xiàn)業(yè)務發(fā)展。三是開發(fā)風險量化模型。這作為一種固定化、模式化、規(guī)范化的風險監(jiān)測工具，在銀行的風險管理中占有重要位置，但目前農(nóng)業(yè)發(fā)展銀行A行尚未開發(fā)這樣的模型。所以，從風險控制的角度，建議農(nóng)業(yè)發(fā)展銀行重視量化模型的重要性。四是研發(fā)特色支付結(jié)算工具。因農(nóng)業(yè)發(fā)展銀行網(wǎng)點設置少，加上水產(chǎn)加工企業(yè)向漁民收購原材料時，漁民的現(xiàn)金結(jié)算偏好，使得作為第一還款來源的流動資金無法在銀行監(jiān)測范圍內(nèi)，為了防范這一風險，提出切實可行的結(jié)算方法。五是加快建立行業(yè)標準數(shù)據(jù)庫。農(nóng)業(yè)發(fā)展銀行正在嘗試建立以行業(yè)為單位的風險分析數(shù)據(jù)庫，這對今后在進行信貸調(diào)查時分析行業(yè)風險具有指導作用。六是側(cè)重監(jiān)督家族式企業(yè)的管理者。這一措施是根據(jù)泉州地區(qū)水產(chǎn)加工企業(yè)多為家族式企業(yè)的特性而提出的，法定代表人可能并不是實際控制人，而實際控制人的決策卻對企業(yè)的經(jīng)營產(chǎn)生重要影響，所以，也應將其作為風險管理的一個重要對象。
[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.
【學位授予單位】：華僑大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F326.5

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