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

【摘要】：近年來(lái)，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(kāi)辦支持水產(chǎn)加工企業(yè)的各類(lèi)貸款品種和金融服務(wù)，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(fēng)險(xiǎn)管理的角度出發(fā)，以在泉州當(dāng)?shù)刂乃a(chǎn)加工企業(yè)——HBMX公司作為案例，運(yùn)用風(fēng)險(xiǎn)分析方法詳細(xì)分析水產(chǎn)加工企業(yè)可能存在的各種內(nèi)外部風(fēng)險(xiǎn)因素，進(jìn)而提出針對(duì)性的風(fēng)險(xiǎn)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(chǎng)發(fā)展前景和資源優(yōu)勢(shì)，，在不斷地?cái)U(kuò)大再生產(chǎn)的過(guò)程中，融資需求越來(lái)越強(qiáng)。然而，從農(nóng)業(yè)發(fā)展銀行的角度來(lái)看，水產(chǎn)加工企業(yè)雖然是一個(gè)重要的信貸發(fā)展領(lǐng)域，但是仍存在較多的風(fēng)險(xiǎn)因素。 二、信貸風(fēng)險(xiǎn)理論。銀行的信貸風(fēng)險(xiǎn)制度，從管理學(xué)的角度來(lái)看，是一個(gè)“識(shí)別-估計(jì)-評(píng)價(jià)-決策-監(jiān)測(cè)”的動(dòng)態(tài)過(guò)程，從實(shí)務(wù)操作的角度來(lái)看，是一個(gè)“貸前-貸中-貸后”的管理流程。 三、水產(chǎn)加工企業(yè)存在的風(fēng)險(xiǎn)。從管理學(xué)的角度逐步分析為水產(chǎn)加工企業(yè)提供信貸資金的過(guò)程中存在的財(cái)務(wù)風(fēng)險(xiǎn)、信息不對(duì)稱(chēng)風(fēng)險(xiǎn)、擔(dān)保措施難以覆蓋、還貸資金監(jiān)控難度大、市場(chǎng)風(fēng)險(xiǎn)等內(nèi)外部風(fēng)險(xiǎn)。 四、風(fēng)險(xiǎn)管理措施�；谒a(chǎn)加工企業(yè)存在的各種風(fēng)險(xiǎn)，針對(duì)性地提出了多項(xiàng)風(fēng)險(xiǎn)管理措施。一是開(kāi)展以企業(yè)為單位的風(fēng)險(xiǎn)識(shí)別。對(duì)于農(nóng)業(yè)發(fā)展銀行而言，07年才開(kāi)始辦理商業(yè)性信貸業(yè)務(wù)，對(duì)風(fēng)險(xiǎn)管理的理念仍停留在封閉運(yùn)行管理階段對(duì)糧棉油管理的方法，故強(qiáng)調(diào)以一種適應(yīng)市場(chǎng)發(fā)展趨勢(shì)的風(fēng)險(xiǎn)管理理念來(lái)面對(duì)水產(chǎn)加工企業(yè)信貸風(fēng)險(xiǎn)有著現(xiàn)實(shí)意義。二是運(yùn)用新型擔(dān)保方式。往往因?yàn)樗a(chǎn)加工企業(yè)難以提供符合銀行要求的傳統(tǒng)的擔(dān)保方式，而陷入融資難的困境，因此建議接受應(yīng)收賬款質(zhì)押、專(zhuān)業(yè)擔(dān)保公司擔(dān)保等新型擔(dān)保方式，在風(fēng)險(xiǎn)可控的前提下，實(shí)現(xiàn)業(yè)務(wù)發(fā)展。三是開(kāi)發(fā)風(fēng)險(xiǎn)量化模型。這作為一種固定化、模式化、規(guī)范化的風(fēng)險(xiǎn)監(jiān)測(cè)工具，在銀行的風(fēng)險(xiǎn)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(kāi)發(fā)這樣的模型。所以，從風(fēng)險(xiǎn)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(diǎn)設(shè)置少，加上水產(chǎn)加工企業(yè)向漁民收購(gòu)原材料時(shí)，漁民的現(xiàn)金結(jié)算偏好，使得作為第一還款來(lái)源的流動(dòng)資金無(wú)法在銀行監(jiān)測(cè)范圍內(nèi)，為了防范這一風(fēng)險(xiǎn)，提出切實(shí)可行的結(jié)算方法。五是加快建立行業(yè)標(biāo)準(zhǔn)數(shù)據(jù)庫(kù)。農(nóng)業(yè)發(fā)展銀行正在嘗試建立以行業(yè)為單位的風(fēng)險(xiǎn)分析數(shù)據(jù)庫(kù)，這對(duì)今后在進(jìn)行信貸調(diào)查時(shí)分析行業(yè)風(fēng)險(xiǎn)具有指導(dǎo)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(shí)際控制人，而實(shí)際控制人的決策卻對(duì)企業(yè)的經(jīng)營(yíng)產(chǎn)生重要影響，所以，也應(yīng)將其作為風(fēng)險(xiǎn)管理的一個(gè)重要對(duì)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(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】：2014
【分類(lèi)號(hào)】：F832.4;F326.5

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