本文選題：銀行信貸　切入點(diǎn)：中能硅業(yè)　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：我國(guó)光伏產(chǎn)業(yè)在短短的10年里,經(jīng)歷了從高速擴(kuò)張到產(chǎn)能過(guò)剩的大起大落式發(fā)展,而銀行在此過(guò)程中扮演了推波助瀾的角色。因?yàn)楣夥琴Y本高度聚集的行業(yè),銀行在光伏產(chǎn)業(yè)發(fā)展的初期采取激進(jìn)策略,過(guò)量的信貸投放,既滿足了企業(yè)快速發(fā)展的資金需求,也助推了產(chǎn)業(yè)規(guī)模膨脹,當(dāng)然銀行在此過(guò)程中也取得了豐厚的綜合收益;但國(guó)家政策和市場(chǎng)環(huán)境一旦發(fā)生變化,銀行又?jǐn)嗳粚?shí)施壓貸、抽貸,造成一些企業(yè)財(cái)務(wù)運(yùn)轉(zhuǎn)困難,甚至關(guān)停、倒閉、淘汰出局,加速了光伏產(chǎn)業(yè)的衰敗,與此同時(shí)對(duì)銀行的信貸結(jié)構(gòu)與資產(chǎn)質(zhì)量也產(chǎn)生重大不利影響。由此可見(jiàn),銀行在經(jīng)營(yíng)中如果不堅(jiān)持審慎評(píng)估和差異化信貸經(jīng)營(yíng)策略,“一窩蜂”式的跟進(jìn)和退出,既不利于企業(yè)和產(chǎn)業(yè)可持續(xù)發(fā)展,也影響到銀行的收益和風(fēng)險(xiǎn)。因此,銀行針對(duì)產(chǎn)能過(guò)剩行業(yè),建議采取有保有壓的差異化信貸經(jīng)營(yíng)思路,既要關(guān)注產(chǎn)業(yè)政策調(diào)整變化,又要加強(qiáng)信貸對(duì)象的個(gè)體分析,客觀判斷信用風(fēng)險(xiǎn),持續(xù)加強(qiáng)過(guò)剩產(chǎn)業(yè)中優(yōu)質(zhì)企業(yè)的信貸支持,進(jìn)而實(shí)現(xiàn)銀企共贏。有鑒于此,本文以銀行信貸支持江蘇中能硅業(yè)科技發(fā)展有限公司(以下簡(jiǎn)稱中能硅業(yè))的案例為研究對(duì)象,總結(jié)在市場(chǎng)環(huán)境不確定條件下,如何分析、發(fā)現(xiàn)、培育和支持優(yōu)質(zhì)企業(yè)金融需求,實(shí)現(xiàn)客戶與銀行雙贏策略的規(guī)律性做法,進(jìn)而提升商業(yè)銀行可持續(xù)發(fā)展能力。因此,本文首先借鑒了銀行融資的相關(guān)理論,并對(duì)光伏產(chǎn)業(yè)過(guò)剩、銀行信貸融資支持等文獻(xiàn)進(jìn)行了闡述。其次,詳細(xì)闡述了中能硅業(yè)的概況和銀行信貸支持光伏產(chǎn)業(yè)的現(xiàn)狀,并對(duì)銀行信貸支持企業(yè)的情況進(jìn)行了介紹。再次,對(duì)銀行信貸支持中能硅業(yè)的原因和所產(chǎn)生的效果進(jìn)行分析,并指出銀行信貸在支持中能硅業(yè)中存在的問(wèn)題。最后,從建立銀行信貸業(yè)務(wù)創(chuàng)新機(jī)制、優(yōu)化貸款定價(jià)和全面風(fēng)險(xiǎn)防控等三個(gè)方面對(duì)銀行信貸支持產(chǎn)能過(guò)剩產(chǎn)業(yè)中優(yōu)質(zhì)企業(yè)提出合理化建議和對(duì)策。
[Abstract]:China's photovoltaic industry in just 10 years, has experienced rapid expansion from excess capacity to change radically development, and banks in this process plays a important role. Because the PV is highly capital intensive industry, banks take aggressive strategy in the early development of photovoltaic industry, excessive credit, not only to meet the fast the development of the financial needs of the enterprise, but also boost the industrial scale expansion of banks in this process has also made huge comprehensive income; but the national policy and market environment once changed, the bank has implemented the loan pressure, pumping loans, causing some enterprise financial operation difficult, or even shut down, closed, eliminated, accelerated the decline the photovoltaic industry, at the same time also have a significant adverse impact on the credit structure and bank asset quality. Thus, if the banks do not adhere to the careful evaluation and difference Credit business strategy, "like a swarm of bees" type of follow up and out, is not conducive to the sustainable development of the enterprise and the industry, but also affect the bank's earnings and risk. Therefore, banks in industries with excess capacity, recommended to maintain pressure in the differentiated credit management ideas, not only to change the adjustment of industrial policy, individual credit analysis the object must strengthen the objective judgment, credit risk, excess industry continued to strengthen quality enterprises credit support, so as to realize the win-win situation between banks. In view of this, based on bank credit support to the silicon industry science and technology development limited company in Jiangsu (hereinafter referred to as the silicon industry) the case as the object of study, summed up in the market environment under the condition of uncertainty how to analyze, find, nurture and support the financial needs of high-quality enterprises, to achieve a win-win strategy of practice of the customer and the bank, and then promote the sustainable development of commercial banks because of ability. For this, this paper draws lessons from the relevant theory of bank financing, and the excess of the PV industry, bank credit financing support documents are described. Secondly, elaborates the status quo of photovoltaic industry support in the silicon industry and the general situation of bank credit, and bank credit support to enterprises are introduced. Thirdly, the reason bank credit support in the silicon industry and the effect is analyzed, and pointed out that bank credit can exist in the silicon industry in support of the problem. Finally, from the establishment of bank credit business innovation mechanism, three aspects of optimization of loan pricing and comprehensive risk prevention and control of bank credit support capacity rationalization suggestions and Countermeasures the excess industry quality companies.

【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F275

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