Rearch On Enterprise Credit Assessment Of ABC

Agricultural Bank of China is the only one to set up the "three rural finance division" in large-scale joint-stock commercial banks. While Agricultural Bank of China is in the service of urban development, it also shoulders the sacred mission of serving "three rural". The total tax of Dongguan Branch of Agricultural Bank of China was2.15million at the end of2013. Guangdong Branch of Agricultural Bank of China has been the strong support of construction and development in Dongguan, actively putting loans to agriculture and forestry enterprises. Under such a background, it is worthwhile to study and discuss the issue how furniture manufacturer makes strategic planning and effective management countermeasures to expand sales, to get access to the support of bank credit line, to reinforce the strength of their own production and to develop new business growth. This paper conducts a credit assessment analysis study of a large private furniture manufacturer in the southeast-Nanxing furniture manufacturing company from bank’s perspective。On the one hand, strategic analysis of corporate history, industry background, management level and so on is systematically conducted. On the other hand, financial analysis of fund structure, cash flow, asset and liability, receivable and so on is comprehensively conducted. Thus, after anticipating the operation and development of Nanxing furniture manufacturing company from the perspective of both strategic and financial analysis, its repayment ability is ensured. In addition, the credit assessment conclusion is also systematically studied. In the paper, through comprehensive and objective analysis, credit delivery strategy recommendations in the field of credit business about Dongguan Branch of Agricultural Bank of China to loading companies are proposed, coupled with specific risk prevention and management measures of the Credit business between Dongguan Branch of Agricultural Bank of China and Nanxing furniture manufacturing company, which makes commercial banks become more standard and efficient in the management process of credit risk assessment.The paper is generally divided into five parts as follows: The first part: The first part: the research theory and related concepts. Mainly talked about the credit asset portfolio theory, the measurement theory, the bank credit risk and loan credit theory concept, corporate customers credit rating.The second part: Analysis of credit necessity. Basic situation analysis of Nanxing furniture manufacturing company, credit delivery strategy analysis of Dongguan Branch of Agricultural Bank of China, cooperation history between Dongguan Branch of Agricultural Bank of China and Nanxing furniture manufacturing company.The third part: Analysis of credit business conditions. Credit rating analysis of Nanxing furniture manufacturing company in Dongguan Branch of Agricultural Bank of China, financial situation analysis of Nanxing furniture manufacturing company, repayment ability analysis of Nanxing furniture manufacturing company, guarantee capacity analysis of associated Shenzhen FRD Furniture Industry, SWOT analysis of credit business conditions about Dongguan Branch of Agricultural Bank of China to Nanxing furniture manufacturing company.The fourth part: Credit line decisions. According to financial statement, use the formula to estimate the maximum credit line combining latest credit management. Comprehensive benefit analysis mainly from several aspects of loan interest income, deposit, intermediate business benefit and so on. In addition,Configuration and optimization of credit structure. To lay practice foundation of subsequent business, configure credit structure to the enterprise and optimize it from the aspects of period, amount, credit manner, guarantee and so on.The fifth part: Credit business risk prevention. From the perspective of enterprise, in terms of policies, resources and environmental risk management strategy; Starting from dongguan branch of agricultural bank of China, in finance, credit rating, money used to, such as operating Angle post-loan risk management strategy, etc.