Bank Credit Support Jiangsu Zhongneng Polysilicon Technology Development Co.,Ltd. Case Study

China's photovoltaic industry in a short period of 10 years,experienced from high-speed expansion to excess capacity ups and downs of the ups and downs of development,and the bank in the process played a role in fueling.Because photovoltaic is a highly capitalized industry,banks in the early stages of the development of photovoltaic industry to take radical strategies,excessive credit,both to meet the rapid development of enterprise capital needs,but also boost the scale of the expansion of the industry,of course,the process of the bank But the national policy and market environment changes,the banks have also flatten the implementation of pressure loans,loans,resulting in some financial difficulties,even shut down,closed down,eliminated,accelerated the decline of the photovoltaic industry,At the same time on the bank's credit structure and asset quality also have a significant adverse impact.It can be seen that if the banks do not insist on prudent assessment and differentiated credit management strategies,the "rush" follow-up and exit is not conducive to the sustainable development of enterprises and industries,but also the benefits and risks of banks.Therefore,the bank for the excess capacity industry,it is recommended to take the pressure of differentiated credit management ideas,it is necessary to pay attention to industrial policy adjustment changes,but also to strengthen the individual analysis of credit objects,objective judgment of credit risk,continue to strengthen the excess industry in high-quality enterprises Credit support,and thus achieve a win-win situation.In view of this,this paper takes the bank credit to support the case of Jiangsu Zhongneng Polysilicon Technology Development Co.,Ltd.(hereinafter referred to as Zhongneng Polysilicon)as the research object,summarizes how to analyze,discover,cultivate and support high quality under the uncertain market environment Enterprise financial needs,to achieve customer and bank win-win strategy of the regular approach,thereby enhancing the sustainable development of commercial banks.Therefore,this article first draws on the relevant theory of bank financing,and the PV industry surplus,bank credit financing support and other literature are described.Secondly,the details of Zhongneng Polysilicon can be described in the silicon industry,and the bank credit support enterprises were introduced.Thirdly,it analyzes the causes and the effects of the bank in the bank credit support,and points out the problems that the bank credit can support in Zhongneng Polysilicon.Finally,from the establishment of bank credit business innovation mechanism,optimize the loan pricing and comprehensive risk prevention and control of three aspects of bank credit to support the excess capacity of industry in the high-quality enterprises to put forward rationalization proposals and countermeasures.