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1、工商银行广生公司畜禽饲料贷款项目风险控制研究Guang Sheng feed raw company loan project risk control research of ICBC摘要本文共分为五个部分。第一部分为绪论。提出该课题的研究背景、研究意义，对本文的研究方法和内容做了大致地介绍。中国在这些年里面一直坚持在金融上的革新，而整体对于各类危险的掌控显然已经是商行未来的发展、力求在市场占有一席之地的关键方法当中的一种。对于客户想要贷款而提出相关诉求的时候，银行不仅仅要为自己的利益着想，还要考虑其中存在的危险。银行究竟是否决定贷款还是要进行评估的。银行依据贷款自身的特性以及要求，利用相关
2、的办法，对贷款进行全方位的评估，让贷款的决策有了凭据。这一项目的制定十分符合我国国情，也和市场相吻合，是值得尝试的。从广生公司的角度来说，这种高产的项目自身来说就有相当多的优点，在银行看来，这个项目乃是符合了我国在农业上的政策，而且与银行指定的贷款政策也是比较吻合的。本文将重点根据目前小企业信贷业务发展状况，联系本人所在区域的实际情况，以广生公司畜禽饲料贷款项目为例，对中小企业贷款风险与收益问题作深入探讨，并提出相关对策和建议。第二部分为工商银行广生公司畜禽饲料贷款项目现状及存在的问题。对广生公司畜禽饲料项目需求进行了分析，对广生公司畜禽饲料项目进行了介绍，并且探讨了广生公司畜禽饲料贷款项目存
3、在的问题。 第三部分工商银行为广生公司畜禽饲料贷款项目存在的风险分析。主要从项目市场风险、项目信用风险、项目财务风险三方面对广生公司畜禽饲料贷款项目存在的风险进行了分析。上述项目重点服务对象就是从事养殖的农民，贷款的人是否受到不良影响要看养殖的规模大小，还要看销售情况，可以说还是有一定的危险的。项目中主要的商品就是饲料，虽然说已经获得了专利权，而且也进行了绿色认证，还形成了品牌，不过因为其他的饲料品牌公司家大业大，销售渠道丰富，进而对这个项目来说有相当大的竞争压力。同时广生公司畜禽饲料贷款项目信用风险较高，财务管理存在一定方面的不利因素，这些风险对广生公司畜禽饲料贷款项目禅产生了不利影响。第四
4、部分为工商银行广生公司畜禽饲料贷款项目风险控制措施，主要如下：市场风险的控制措施、信用风险的控制措施、财务风险的控制措施。面对风险，工商银行银行可以帮助企业进行风险分析，帮助企业进行行业分析预测，并对未来一段时间内行业的形势进行预测，从风险控制、风险回避、风险适应三个方面入手，指导企业进行分先规避。面对信用风险和财务风险，可以通过建立信用保障体系和建立内部控制机制来进一步降低风险。第五部分为结论。对全文进行了总结与展望。广生公司应强化经营管理，提高自身的融资能力。要在竞争激烈的市场中立足，并且取得金融机构的支持，通过股权融资从根本上壮大企业实力和抗风险能力，还要从以下五个方面加强自身建设：1要
5、努力提高自身效益,2要加大技术创新力度,3要提高财务管理水平 ,4要关注公司建成的资信,5要走联合之路。关键词：畜禽饲料；贷款项目；风险；控制ABSTRACTThis article is divided into five parts. The first part is the introduction. Put forward the topic research background, research significance, the research of this paper made roughly introduces methods and contents. In re
6、cent years as the domestic financial industry continued to deepen the reform and opening, comprehensive risk management to become commercial Banks to seek sustainable development, makes every effort to place in the market one of the key method. For customer want to loan and puts forward relevant dem
7、ands, Banks not only for their own interests, but also there were a danger. Whether decided to bank loans or to evaluate. Bank loans on the basis of its own characteristics and requirements, using the correlation method, an all-round evaluation of loan, make decision with the credentials for the loa
8、n. Project is put forward to the development of the national situation, adapt to the rapid development of the current market requirements, with strong feasibility. Given the wide raw science and technology co., LTD., with annual capacity of 350000 tons of high-grade livestock and poultry feed produc
9、tion line project the significance and its own cost and technical advantages, Banks claim to support for the project in line with national industrial policy support and the development of agricultural and sideline products processing industry, in line with the bank credit policy. This article will f
10、ocus on according to the current small business credit business development, contact the actual situation of own area, with wide livestock and poultry feed raw company loan project as an example, the problem of small and medium-sized enterprise loan risks and benefits should be studied, and put forw
11、ard relevant countermeasures and Suggestions.The second part of livestock and poultry feed for wide raw company loan project status quo and existing problems. For broad raw livestock and poultry feed project requirements are analyzed and the wide raw company of livestock and poultry feed project are
12、 introduced, and discussed the widely problems existing in the company of livestock and poultry feed loan programs.The third part of livestock and poultry feed for wide raw company loan project risk analysis. Mainly from the project market risk, credit risk, financial risk three sides facing the bro
13、ad raw livestock and poultry feed loan project risks are analyzed. Since the project product market is mainly in the face of farmers, farmers breeding scale and the uncertainty of livestock and poultry sales to product sales have been affected by a certain borrowers, form the market risk. The projec
14、t products for feed, though the project item has obtained the patent right, but also for the green certification, has formed a brand, but because of other feed home of big brand company, sales channel is rich, and a considerable competitive pressure for this project. Livestock and poultry feed and w
15、ide company loan credit risk is higher, there are some aspects of adverse factors, financial management in these risks for broad raw livestock and poultry feed loan project zen had a negative effect.The fourth part of livestock and poultry feed for wide raw company loan project risk control measures
16、, mainly as follows: market risk control measures, the control measures of credit risk, financial risk control measures. Face the risk, the bank can help enterprises to carry out risk analysis, to help enterprises to carry out analysis and prediction of industry, and a period of time in the future to predict the situation of industry, from the risk control, risk avoidance, risk to adapt to the three aspects, guide en
