The Research Of Grassland Xingfa's Finacial Fraud On Banking Group Customer Credit Control

Inner Mongolia praire xingfa Co., Ltd. (here in after referred to as Prairie Xingfa) is a famous listed companies.it has aiso been the country's largest meat processing company.However, the outbreak of bird flu in 2006 so that the main Xingfa blocked sales of chicken products, coupled with a series of financial fraud scandal exposure commercial banks not to continue its loans, business capital chain rupture, business is difficultis to congtinue.Before I was studying for a master's degree, I was in Agricultural Bank of Xingfa households account manager of a tube, and held the post for six years, the past six years, I have many times analyzed the financial situation of the enterprises At that time I have grsped a number of first-hand financial information, which is I wrote this paper has advantages.Fulfill their duties by the local government contributed to its successful restructuring of energy with the PingZhuang, PingZhuang Energy agreed to assume 60% of bank loans, but in the end the banks are still a total of nearly 700 million yuan loans were not forthcoming, it is said that some commercial banks for the marketing of local premier of this large customer, surprisingly, to provide credit guarantees for loans or guarantees by the controlling shareholder loans, there is no protection at all, can only be included in the final non-performing or loss.Even the mortgage loans, as collateral are mostly located in remote areas of the plant and machinery, is very difficult to realize, and the amount of cash also remains far from appraised value, to commercial banks made it difficult to recover losses.due to return to school, devote themselves to studying the analysis of enterprise financial accounting areas , so decided to internal control from the perspective of commercial banks in-depth, systematic analysis of grassland XingFa financial and operating mainly targeted at Prairie Xingfa Financeexposure of fraud two years ago (2004, 2005) the financial situation, and expounded China's commercial banks, listed companies in the analysis of financial data, a common problem and precautions.At the same time reveals China's commercial banks to group customers in the credit management and system problems and make recommendations.This paper mainly brief four parts besides conclusion, the first part of the Prairie Xingfa the history, size and basic information such as bank loans, a brief description, and thus reflect the issues explored; The second part is in the financial-made Xingfapseudo-problem is laid bare before the spatial and temporal coverage to 2004 and 2005 as an example of the company's assets, liabilities, profit and loss and cash flow, and other financial data for analysis in the financial challenge; third part is mainly describe credit risk of banking group and some experience of foreign banks for the group. thefourth part focuses on the Prairie Xingfa issues exposed by commercial banking group in several categories of consumer credit regulation Enlightenment, mainly from the loan before the investigation, post-loan management, and other system problems are expounded.