The Study On The Credit Scheme Of Small And Medium Sized Pig Breeding Enterprises In X Bank Z Branch

The pig industry is the pillar industry of animal husbandry in China,China's five consecutive year of pig slaughter and pork consumption in the world,as the basis of the relationship between the industrial bank how beneficial to the people's livelihood,through credit support and promote the development of small and medium-sized pig farming enterprises become a new topic in the research of banks.Because the hog industry characteristics,pig farming industry,the scale of farming industry has decentralized,centralized trend,but the real cause of most small decentralized farming enterprises in pork price rise when trapped in the no financial support,to seize the market;the pork price fell,but suffer from lack of funds or bank loans drawn,leading companies have sales sow shrink to survive."Pig cycle" as the fluctuation cycle of the pig farming industry,the impact on business enterprise is very clear: the pig price rises,some small and medium-sized enterprises the main breeding high cost debt to expand the scale of farming,pig slaughter results until pork prices started down,in order to repay the debt and reduce operating costs,some small and medium-sized enterprises have to sell the breeding sows the results appeared in the pork price rise when pigs can be bought,so the "pig cycle" has become small and medium-sized farming enterprises sustained profitability and expand the business the biggest obstacle.In order to better serve the agriculture,support the aquaculture enterprises,to overcome the negative impact of pig cycle to small and medium-sized enterprise culture,X bank Z branch based on the characteristics of the industry,the use of local listed companies for the pig breeding industry chain of various business entities to create a "Tmall" integrated service platform--into a new agricultural business platform,design the electronic business platform for membership-credit program of pig farming enterprises.System analysis,data analysis and comparative analysis by the method of stepwise analysis,through credit scheme of X bank Z branch,and compared with the international advanced credit management method of small and medium-sized enterprises,find out deficiency of traditional credit model,effectively solve the asymmetric information and the lack of core problems exit between the commercial bank and the pig aquaculture enterprises.Through the discussion of the successful experience and inadequacies of the credit scheme,the role and significance of the credit scheme for commercial banks and small and medium sized aquaculture enterprises are introduced.The appropriate operation method,the high risk customer in the traditional loan approval-the small and medium-sized culture enterprise loan may also become the profit contribution customer of the commercial bank.For the future development of the industry based on the platform of the project and to enhance risk management mechanisms such as reconstruction,to ensure the sustainability of small and medium enterprise credit business,and actively explore the accounts receivable pledge,future earnings,stock liquidity and other new risk mitigation measures,thinking to break the traditional financing model,enrich the existing financing products,provide credit the financing mode of Internet plus financing tips and guidance for small and medium sized enterprises.