C Bank's Research And Analysis On The Credit Decision Of Private Lithium Salt Companies

As an important part of social economic activities,private enterprises play an indispensable role.In the past 40 years of reform and opening up,private enterprises have undergone rounds of changes and have gradually grown into a systemically important and internationalized business giant.In actual economic activities,banks play an important role in promoting the development and growth of enterprises in the financial support of private enterprises.From the perspective of bank creditors,how to achieve a balance between risks and benefits when credit supports private enterprises is very important.Loan support for private manufacturing has become a more difficult issue in the current credit decision-making process of commercial banks.So how to implement credit support to private enterprises supported by national industrial policies through research analysis and program design in the process of credit decision-making,and to achieve a two-way balance of risks and benefits?This paper analyzes the loan case of XY company and researches the credit decisionmaking process of Bank C.It is intended to provide a solution based on the new economic situation,how to provide risk-controllable credit support for private enterprise project financing under the support of national industrial policies problem.Strive to explore methods and ideas that can support project financing for private manufacturing enterprises.In the thesis,the credit products,credit process and logic of Bank C are conceptually sorted out,and the relevant elements of credit business are basically clearly sorted out.At the same time,this thesis takes the credit decision of XY private lithium salt company by Bank C as a case.On this basis,it analyzes the loan decision-making process of private lithium salt manufacturing enterprises from commercial banks,and analyzes the key factors and decision-making opinions in the loan decision-making process Detailed discussions and research were carried out,so as to draw the key points and analysis methods of commercial banks in the credit activities of private manufacturing enterprises.Mainly analyze and elaborate from the following three aspects.First,briefly describe the composition and business process of commercial banks' corporate credit products,as well as the focus of creditor's credit decision-making;secondly,realize the collection of case data,elaborating on the basic situation,financial situation,credit situation and other aspects;finally,the private lithium involved in the case The salt production enterprises analyzed the advantages and disadvantages of obtaining bank loans.Through the design of loan schemes,loan preconditions and management requirements are put forward to achieve credit support for the case company.Through the analysis of the case and the study of the decision-making process,it can be seen that commercial banks can provide credit support to private enterprises with certain risks through the design of credit schemes during the credit decision-making process.In the process of decision-making,financial institutions should grasp the direction of industrial development,while optimizing customers,while appropriately financing and strengthening risk control,to find a balance between risks and benefits.Realize credit support to private enterprises supported by industrial policies through research on credit decision-making process and program design.