The Research On Bank I’s Credit Risk Control Of Equipment Manufacture Enterprises

Equipment manufacture industry is the "skeleton" of the real economy and also the pillar industry of Shandong Province’s economic development.It is the basic and strategic industry that provides production technology and equipment for both national economy and national defense construction.It is the core component of manufacture industry and the foundation of national economic development,especially industrial development.Equipment manufacture industry is the key supporting object of commercial banks and financial institutions in Shandong Province.The equipment manufacture industry is characterized by distinct operation differentiation,high proportion of industries with "strong periodicity",obvious decline in production and marketing profits,and emerging industry risks.According to the situation of equipment manufacture industry in Shandong province,the high-end equipment industry accounts for a low proportion,and it is facing a series of pressure such as structural.adjustment,transformation and upgrading.In addition,in recent years,affected by macroeconomic downturn,supply-side capacity reduction and other factors,credit risk exposure has been increasing and spreading rapidly in the industrial chain,and the total amount of risky loans and non-performing loan ratio have continuously risen.The new situation puts forward new requirements and challenges for the credit risk management and control of the equipment manufacture enterprises of commercial banks.This thesis takes the credit risk control of the equipment manufacture enterprises of Bank I(a provincial branch),one of the four major state-owned banks,as the research object,and analyzes the current situation of the deterioration of the internal and external business environment and the huge pressure of industrial transformation in the equipment manufacture industry.This thesis analyzes the status quo of the credit risk of enterprises in the equipment manufacture enterprises of Bank I,and proposes three major problems and three major risks combined with the analysis of typical cases in practice.The three major risks are:the credit risk exposure on the expansion and the industrial chain spreads too fast,the continuously increasing of the total non-performing loans and non-performing loan loan ratio,and the mismatching of credit distribution and industrial development needs.The three concentrated major risks are:excessive financing risk,finance fraud risk,associated risks.Combining with the opportunity of the equipment manufacture industry in Shandong Province’s industrial structure upgrading,the thesis gives a proposal of equipment manufacture enterprises credit risk management,puts forward the equipment manufacture enterprises control system optimization system which contained within the system reconstruction,control and three to four dimensions focus on major risk controls.The four dimensions are as follows:first is the industry dimension,second is the regional dimension,third is the customer dimension,and fourth is the product dimension.At the same time,this thesis analyzes the typical prominent risk problems,puts forward the control suggestions,and four aspects of safeguard measures:the electronic system safeguard,the organizational safeguard,the training safeguard,and the cultural safeguard.This thesis analyzed bank i’s credit risk control of equipment manufacture enterprises.In accordance with the status quo analysis,putting forward problems,analyzing problems and researching for solution for the problems,the thesis wants to build and refine the equipment manufacture industry control system,and to fill the gap in supplementary equipment manufacture industry credit risk research.According to the present domestic and Shandong Province’s industrial structure adjustment policy layout,this thesis will carry on the analysis to the equipment manufacture industry present situation and the development tendency.Specifically,it integrates the dynamic development trend of the industry into the system reconstruction,the control of four dimensions and the control measures of three maj or risks.The research conclusion of this thesis is of practical significance to the improvement of credit risk management and control in equipment manufacture industry of bank I,and provides reference for other commercial Banks to risk management in equipment manufacture industry and other industries.It is not only conducive to promoting balanced development of credit business and improving credit competitiveness of the bank industry,but also of great strategic significance in supporting Shandong Province’s economic transformation and upgrading and ensuring the completion of major projects of new and old drivers.Hopefully,by building the risk control management system of Bank I which has great influence and advanced risk control systems,it can provide new ideas for bank I and other financial trade and promote the credit risk management and credit development of financial institutions that under the new situation,to focus on the source,and force accurately.It will improve the ability and level of credit to support the real economy,and support the integration of Shandong Province’s economic transformation and the upgrading with its own high-quality development to create a win-win situation.