A Study On Credit Breach Of Private Footwear Enterprises In Fujian Bank

Recently by international and domestic economic environment affected, the development of small and medium-sized enterprises encountered unprecedented difficulties in China,Small and medium-sized enterprise credit default rate is rising。Many small and medium-sized enterprises in Fujian province,the recent credit problems appear frequently。Part of the non-performing loans of commercial Banks in Fujian province has more than 4%( The China banking regulatory commission to commercial Banks non-performing loan ratio monitoring index is 2%)。Non-performing loan ratio rising speed of Fujian province has risen to second place in our country 。I work in A bank credit management。Based on the A bank in Fujian area default customer research,I found that the footwear enterprise credit default is significant in other customers。At present, A bank has fully out of Fujian footwear enterprise credit,affected by the normal operation of the regional footwear enterprises. Some footwear enterprises to borrow high cost of folk capital, lead to the enterprise the management cost Increase, the risk of enterprise operation Increase,prompted a collapse of some enterprises。Most of the footwear enterprises in Fujian province on a smaller scale,financial irregularities,business volatile,most of the enterprise’s credit limits did not meet the requirements of the bank, bank lending is less。Due to the small and medium-sized enterprise loan for amount is small, short time limit, high interest rates,greater effects on the operation and development of small and medium-sized enterprises。Through the study of Fujian footwear enterprise credit default, From the perspective of Banks, enterprises, government puts forward relevant countermeasures, to promote the development of the region of small and medium-sized enterprises, and promote regional financial stability. After countermeasures through the area to achieve the desired effects, Can be point spread in other areas. To ease the small and medium-sized enterprise credit financing difficulties, to reduce the small and medium-sized enterprises default rate. To promote the development of the region of small and medium-sized enterprises and regional financial stability and stable area employment for optimization of the regional industrial structure adjustment have a guiding role。This paper consists of six parts。In the first part of the thesis, the research background and research significance of this article。Mainly to the current area of Fujian footwear elaborates the general situation of the management of small and medium-sized enterprises。Seek to solve the problem of shoes small and medium-sized enterprise credit default。The second part is mainly about risk, risk management theory, risk management strategy, an overview of the credit default correlation theory. The third part of Fujian footwear enterprise management situation and loan condition is analyzed. The fourth part through empirical model analysis, financial and non-financial random variables, analysis the important factors influencing the footwear enterprise credit default。The fifth part is mainly to A bank business and A bank footwear customer credit default analysis. The sixth is divided into lower footwear enterprise credit default, from the aspects of government, bank, enterprise countermeasures and Suggestions.