The Risk Management Of A Branch Of ADBC About Credit Support To Aquatic Products Processing Enterprises

In recent years, the Agricultural Development Bank is expanding the scope ofcredit support, and offers various types of loans and financial services to support aquatic processing enterprises actively continue to play the function of policy banks, tocultivate a group of aquatic product processing enterprises. This paper describes thebasic condition of aquatic product processing enterprises, starting from the angleof risk management, combined with the theory of risk management, as the case in Quanzhou local well-known aquatic processing enterprises--HBMX, to use the riskanalysis methods in detail a variety of internal and external risk factors of water production and processing enterprises that may exist, and then put forward the measures ofrisk management.First. Introduce. Aquatic products processing enterprises in Quanzhou area has good prospects for the development of the market and resource advantages, in the process of constantly expanded reproduction, the financing demand is more and more strong. However, from the bank’s point of view, aquatic products processing enterprises isan important credit development field, but there are still lots of risk factors.Second. Credit risk Theory. Credit risk system, from the management point ofview,thedynamic processisa "recognition-estimate-evaluation-decision-monitoring", from the practical point of view, is the management process of a “before the loan-Credit–loans”.Third.Risk factors of aquatic products processing enterprises. From the perspective of management by analysis the financial risk, the information asymmetry risk,market risk, guarantees to cover, owing on the loan capital control in providing thecredit for aquatic products processing enterprises is difficult.Fourth.Measures.in order to manage all the risks that exists in aquatic productprocessing enterprises, the author proposes several measures.Change the old concepts. Agricultural development bank starts the commercialcredit business in2007, its risk management philosophy still remain in closed management stage method, so that adapt the concept of risk management whichfacing aquatic products processing enterprises has realistic meaning.Try some new way of guarantee. Aquatic product processing enterprises couldnot offer the proper guarantee, and then fall into the financing predicament. Thereforewe suggested that banks accept the pledge of accounts receivable, the professionalGuarantee Corporation secured new way of security.Develop risk quantification model. As a risk monitoring tool for immobilizationwhich is standardized, occupies an important position in the risk management of banks.but the Agricultural Development Bank has not yet developed such a model. So, from the aspect of risk control, we suggest Agricultural Development Bank build aquantitative model.Develop characteristics of payment instruments. Cause the agricultural development bank do not have enough outlets, when the aquatic products processing wants tobuy materials from the fishermen, the fishermen demands cash settlement, so thefirst source of repayment may not be in the range of bank liquidity monitoring. Inorder to avoid this kind of situation, we put forward some feasible settlements.Establish the industry standard database. It can be used as an important riskanalysis.Pay attention to the managers. This measure is based on the aquatic productsprocessing enterprises which are kind of family enterprise, the legal representative may not be the actual controller, and the actual controller decision have an importantimpact to enterprises.