Research On Credit Scheme Design And Risk Control Of Food Industry In Quanzhou Branch Of Industrial Bank

The food industry is an old industry,but it is also a sunrise industry.The level of economic development,people living standard rise,to further promote the people's demand for food,also to promote the progress of food manufacturing technology level,integrated optimization of the structure of the food industry,food products are great.All in all,the food industry has been developing and expanding so far.The food industry as an important pillar industry in quanzhou city and one of the five traditional industries,the quanzhou has formed a large number of the market power of national brands,especially in the area of the leisure food,has become one of the three major production bases.At the same time,the quanzhou food industry also began to high-end food research and development,transformation and upgrade,at the same time develop the Europe and the United States,Japan,South Korea,Australia,Singapore and other international markets.And quanzhou food industry broad market compared to the huge development potential,societe generale,quanzhou branch current business conditions are paltry,lack of overall marketing plan,the public-private joint generally,for small micro food enterprises involved in less,marketing is relatively single,use less product variety,less viscous,did not form a system of supply chain finance business,and the credit risk guarantee way to ensure that the guarantee and credit guarantee is given priority to,free risk safeguard level is low.Demand for food industry credit business analysis does not reach the designated position,for the food industry in different market main body in the industry of credit policy,there is no pertinence,credit business is very good to support the strategic positioning of societe generale quanzhou branch,weakening the industrial bank quanzhou branch in quanzhou area food trade competitiveness of the market.In quanzhou,this article highlights the current credit demand of each section of the food industry,through the industrial bank quanzhou branch credit in the food industry in-depth understanding and analysis of the present situation of the industrial bank quanzhou branch credit solutions for the food industry put forward their views,based on two dimensions,scale and supply chain chain in quanzhou credit schemes are designed for the food industry,develop targeted credit services and products,and put forward relevant risk control Suggestions.This paper through to the societe generale,quanzhou branch credit business development present situation analysis of the food industry,summarizes the existing problems,and in view of the industrial bank quanzhou branch in the food industry in the future has the reference value of countermeasures and strategies of credit business,make it more realistic.