BS Bank's Credit Program Design For Cultural And Tourism Projects

In recent years,the financing problem has been a major problem troubling the development of China's private enterprises,financing difficulties have become a bottleneck restricting the development of China's private enterprises.At present,commercial Banks have a consistent attitude of "dare not lend,unwilling to lend" towards the financing needs of private enterprises,which leads to the lack of financing channels for private enterprises.At the same time,when granting credit to borrowers,commercial Banks have always attached great importance to whether the borrowers have state-owned backgrounds,but paid insufficient attention to the operating conditions themselves,which is also one of the reasons for the financing difficulties of private enterprises.In fact,the degree of marketization of private enterprises is relatively high and their operation is becoming more perfect.For the financing needs of private enterprises in line with the national industrial policy,commercial Banks should increase credit support and respond to the spirit of the CPC central committee and the state council on strengthening financial services for private enterprises.This paper takes BS bank's credit granting of fisherman's wharf cultural tourism project as an example,conducts a comprehensive credit granting feasibility analysis on the financing needs of cultural tourism project of private enterprises,and then proposes a credit granting scheme with reasonable structure and controllable risks.First of all,in terms of the feasibility analysis of credit extension,the "five questions of credit extension" adopted by BS bank credit extension concept is adopted: who the borrower is(basic information),what to do(operation analysis),what to do with the loan(fund use),what to pay back(the first source of repayment),and what to do if it cannot pay back(guarantee method).Secondly,in view of the background of the borrowers' private enterprises,it focuses on the analysis of operation,the analysis of fisherman's wharf cultural tourism project and the prospect of future operating cash flow to improve the reliability of the first source of repayment.Thirdly,in view of the guarantee measures,the mortgage of real estate,the guarantee of natural person's shareholders and the creative use of the pledge of rent proceeds are added to ensure that the borrower's future income cash flow is effectively supervised by BS bank.At the same time,when the first repayment source cannot be implemented,the pledge right can be effectively realized.Finally,based on the feasibility analysis of credit extension,the credit extension scheme is designed,the credit extension conditions and implementation approaches are clearly explained,the potential risks are analyzed and preventive measures are given,and the post-loan management requirements are finally implemented.On credit in the process of scheme design,this paper found that the commercial bank credit for private enterprise text brigade project information is scarce,challenging when writing,when designing credit scheme using the BS bank credit idea of "credit five q" usufruct mortgage,rent,to promote the project construction of credit management idea or method,has certain groundbreaking,hope in this paper,the text brigade in private sector projects to provide beneficial reference to study credit.