本文選題：風險管理　切入點：SWOT分析法　出處：《黑龍江大學》2013年碩士論文　論文類型：學位論文

【摘要】：受基礎設施建設、機械和汽車制造業(yè)等下游產(chǎn)業(yè)客戶的影響，以及房地產(chǎn)成交量隨著政府調(diào)控政策出臺的逐步萎縮，整個鋼鐵行業(yè)出現(xiàn)需求危機，在這樣的背景環(huán)境下，鋼鐵生產(chǎn)廠如何通過制定戰(zhàn)略規(guī)劃和有效的經(jīng)營管理對策去渡過銷售低谷，獲得銀行授信額度支持，夯實自身生產(chǎn)實力，拓展新的業(yè)務增長點是值得去研究和探討的問題。本文以銀行的視角對東北地區(qū)最大的民營鋼材生產(chǎn)廠家，黑龍江BK鋼鐵公司進行授信評估分析研究，通過對企業(yè)所處的行業(yè)背景、歷史沿革、管理層面等進行系統(tǒng)的戰(zhàn)略分析，，并對資產(chǎn)負債情況、現(xiàn)金流量情況、資金結構、應收款項等情況進行全面的財務分析、從戰(zhàn)略和財務分析角度對黑龍江BK鋼鐵公司的經(jīng)營與發(fā)展趨勢進行預判，以確保黑龍江BK鋼鐵公司的還款能力，同時對授信評估結論進行系統(tǒng)研究。 本文通過全面、客觀的分析，提出了Z銀行對貸款企業(yè)在授信業(yè)務領域中的信貸投放策略建議，并針對Z銀行與黑龍江BK鋼鐵公司的此筆授信業(yè)務提出了具體的風險防范和管理措施，使商業(yè)銀行在授信風險評估的管理過程中更加規(guī)范、高效。
[Abstract]:Affected by customers in downstream industries such as infrastructure construction, machinery and automobile manufacturing, and the volume of real estate transactions gradually shrinking with the introduction of government regulation and control policies, the entire steel industry is facing a demand crisis. Under such a background environment, How to make strategic plan and effective management countermeasures to overcome the sales trough, get the credit support of the bank, and consolidate their own production strength, the iron and steel production plant through the formulation of strategic planning and effective management countermeasures, It is worth studying and discussing to expand the new business growth point of view. From the perspective of the bank, this paper makes a credit evaluation and analysis study on Heilongjiang BK Iron and Steel Company, the largest private steel manufacturer in Northeast China. Through a systematic strategic analysis of the industry background, history and management level of the enterprise, and a comprehensive financial analysis of the situation of assets and liabilities, cash flow, capital structure, receivables and so on, In order to ensure the repayment ability of BK Iron & Steel Company in Heilongjiang Province, the management and development trend of BK Iron and Steel Company of Heilongjiang Province are forecasted from the angle of strategic and financial analysis, and the credit evaluation conclusions are systematically studied at the same time. Based on the comprehensive and objective analysis, this paper puts forward the suggestion of the credit investment strategy of Z Bank to the loan enterprise in the field of credit business. Aiming at the credit business of Z Bank and Heilongjiang BK Iron and Steel Company, the paper puts forward concrete risk prevention and management measures, which makes commercial banks more standardized and efficient in the management process of credit risk assessment.
【學位授予單位】：黑龍江大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F426.31;F832.2

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