| In recent years, the loans from the Agricultural Development Bank of the grain and oil distribution companies to expand into large-scale industrialization leading enterprises, the related enterprises will then become the object of our concern. In this paper, Luhua Shandong Group, led by Shandong Luzhou Luhua peanut oil at the Agricultural Development Bank Ltd. Dingtao County, Shandong Province Branch of the loan as an example, demonstrates the Agricultural Development Bank of the associated risk of corporate loans, loans in existence at the problem and how to prevent risk measures.Because the Henan agriculture flower group between its internal various subsidiary companies or the subsidiary company and Affiliated enterprise's transaction and the investment relations, have formed a complex network. The market interest-driven influence, each Affiliated enterprise or the mother and child company through ways and so on mutual club, joint guarantee, foreign guarantee inflate, the expansion without limits, causes the bank by the marginalization. Because between the bank and business the information serious is asymmetrical, in addition between the bank lacks the effective cooperation and the information sharing, grasps comprehensively with difficulty to the Henan agriculture flower group's credit fund risk condition and monitors, easy to form the multi-thread to give the letter and to give the letter excessively. Once a bank gives the letter to surpass the Affiliated enterprise group to receive the debt ability or the Affiliated enterprise group is poor management, the fund chain has the problem, will then create the huge financial risk. For effective guard and control Affiliated enterprise group customer overall risk. Suggested that a bank one is strengthens gives the letter management, should release "Group Customer according to the Banking Regulatory Commission To give Letter Service Risk management Direction" strictly requests, the promotion Affiliated enterprise group customer gives the letter management level, the Affiliated enterprise group will integrate the unification to give the letter management. The unification gives the letter should only to carry on to the Affiliated enterprise group's core enterprise gives the letter and uses the letter, gives the letter scope to cover all credit variety, cannot the subsidiary company provide the guarantee; Wants the key control core enterprise's effective property, establishes between each Affiliated enterprise's mutual club and the circulation guarantee highest specified amount strictly and occupies compared to, gives the unification the letter to take earnestly the customer risk the highest warning line. Second, strengthens the information sharing, must apply People's Bank's credit referral system fully with the financial relation conference, the sharing Affiliated enterprise group customer information, the dynamic monitor Affiliated enterprise's connection transaction, the unification appraisal Affiliated enterprise group customer's credit capacity, the strict limit Affiliated enterprise guarantees mutually, enhances the Affiliated enterprise group earnestly the risk management level. Third, after strengthening the loan manages, the bank must strengthen the collection of information, uses modern management methods and so on CMS system, cash management platform, grasps the Affiliated enterprise group customer comprehensively the organization construction, the legal relationship, the property and the financial situation, the mutual club, the foreign guarantee, the cash flow and financing and so on real-time dynamic information, carries on the regular business analysis and forewarns the analysis, practical guard and monitoring Affiliated enterprise group's overall risk.First of all, Henan Agricultural Flower Group affiliated enterprises arising from a series of security questions the premise of the loan is to be farmers in Henan Flower Group companies identified as associated enterprises, in order to form a chain-link security between enterprises, so the definition of associated enterprises are found in this article question the premise of solving the problem. Demonstration of the concept of associated enterprises, how to define and identify the associated enterprises, affiliated enterprises trading risks, credit risks associated enterprisesSecondly, the flower farmers in Henan Province and its affiliated group companies have been identified as associated enterprises, the Agricultural Development Bank loan will be on the affiliated enterprises need more careful management. At present, because of institutional and legal shortcomings, so that the Agricultural Development Bank loans to associated enterprises based on the lack of payment of management, resulting in more questions. Argument resulted in the risk of corporate loans related reasons, are the Agricultural Development Bank of China Ltd. Luhua peanut oil flavor loans due to management problems. The main problem is that the loan system, three did not check the implementation of a series of over-dependence on the loan guarantees, property neglect arrival (quality) the role of charge. Lagging behind the concept of risk management, lack of enforcement of rules and regulations.Again, the flower farmers in Henan Group analysis of credit risk is mainly reflected in the problem, the expansion of credit risk, the risk of security out of control, the risk of diversion of loans, the risk of financial fraud. Related enterprises a way to take a series of secured bank loan fraud, not only increases the risk of the enterprise as well as the risk to the bank. Mainly reflected in bank risk, capital flight risk, the risk of false information, the risk of loan repayment.Again, the flower farmers in Henan Group analysis of credit risk is mainly reflected in the problem, the expansion of credit risk, the risk of security out of control, the risk of diversion of loans, the risk of financial fraud. Related enterprises a way to take a series of secured bank loan fraud, not only increases the risk of the enterprise as well as the risk to the bank. Mainly reflected in bank risk, capital flight risk, the risk of false information, the risk of loan repayment.In this paper, agro-related enterprises in Henan Flower Group of agricultural loans and loans made two aspects of bank management, analysis demonstrated that the chain of security risks, that is, how to guard against risks. Facts have proved that all the investment risks are rising in the economic cycle or after a period of rapid expansion after the company exposed. To guard against investment risk associated enterprises must be considered on a long-term strategy to anticipate and set up the risk of early-warning mechanism. Group linked to business customers, guarantees, loans, finance, key management personnel and the violation of a change operation, was prosecuted, the less interest rates to provide false information on important matters such as record of timely, prompt notice, and set up risk control of high-tension line, will do everything possible to sign as soon as possible the risk of conversion.In short, this article from both enterprises and banks the main argument of the associated risk of corporate loans. Flower Group Henan Agricultural Development Bank loans and farmers are the risks and benefits of the community, businesses to obtain loans from the bank, with funds to enable enterprises to grow and develop. Banks in order to guarantee the liquidity, safety, effectiveness, and must look for good corporate lending, with loans made to interest income, increase the effectiveness of the bank. Therefore, the main banks and enterprises both interdependent and mutually reinforcing, with all countries, a loss will also be ruined. |
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