Research On The Risk Control Of Guang Sheng Feed Raw Company Loan Project In ICBC

In recent 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 demands, Banks not only for their own interests, but also there were a danger. Whether decided to bank loans or to evaluate. Support the development of small and medium-sized enterprises, to support agricultural economy is very consistent with the existing situation and policy in China.Given the wide raw science and technology co., LTD., with annual capacity of350000tons of high-grade livestock and poultry feed production 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 focus 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 forward relevant countermeasures and Suggestions.This 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.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 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 broad 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 project 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 wide 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, 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 enterprises to circumvent. Facing the credit risk and financial risk, can through the establishment of credit guarantee system and the establishment of internal control mechanisms to further reduce risk.The fifth part is conclusion. The full text is summarized and prospect. Wide raw company should strengthen management, improve their ability of financing. To stay in a competitive market, and get the support of financial institutions, through equity financing fundamentally strong enterprise strength and ability to resist risks, and to strengthen the construction of their own from the following five aspects:1. To improve their efficiency,(2) to strengthen technological innovation,(3) to improve the level of financial management,(4) Attention to the credit, the company built (5)Want to go the way of the joint.