Research On Credit Risk Evaluation Of Grain Processing Enterprises

At present,our country's food processing enterprises are mostly small and medium enterprises,lack of market competitiveness,and its own funds will not be able to satisfy the business enterprise development and expansion,this is where the banking financial institutions,such as financial support and the policy guidance of the government support.But the Banks and other financial institutions on food processing enterprise credit standards is also quite limited,will be affected by corporate history credit and financial situation,and the effects of policy changes,in most cases,commercial Banks give enterprise financial support is not enough.Among them,the food processing enterprise credit risk identification problem has been affected by a huge,so how to from a host of companies looking for high quality customer,eliminate inferior;How to improve the ability of the bank credit risk prevention,avoid business risk,is the food processing enterprises,commercial Banks,and government departments have to face to face with the important research subject.At first,this paper collects and summarizes the food processing enterprise credit risk evaluation information and documents,in this kind of research background and meaning of enterprise credit risk evaluation,according to previous research achievements of relevant scholars,from food processing enterprise operating conditions and the enterprise two aspects of credit risk,summarizes the research in the field of development degree.It also briefly explores the inadequacies and problems of relevant literature in the study,and clarifies the orientation of the research.To determine the specific research methods and to propose the innovation and problems of the research.Secondly,clarified in this paper,we study the theoretical basis,mainly including food processing enterprise credit risk characteristics and the causes of the transmission mechanism of credit risk,credit risk analysis and the influencing factors of food processing enterprise credit risk and categories,provide theoretical basis for the research of this paper.Combined with the theoretical basis of economics,the research on the cause of food processing enterprise credit risk,and establish the relevant credit risk evaluation system,although in the past there are a lot of studies such as the risk of food processing enterprises,but more focused on corporate finance research,the study of food processing enterprise credit risk few and far between.Then,introduces the several kinds of corporate credit risk model,the traditional credit risk measurement model analysis and analytic hierarchy process(AHP)is described,and the comparison of the two kinds of model,analyzes the basic principle of analytic hierarchy process,characteristics,methods,steps and the analytic hierarchy process(AHP)is adopted to improve the credit risk evaluation presented in this paper the reason of the modeling,and promptly set up food processing enterprise credit risk evaluation index system.Again,using the AHP analytic hierarchy process(AHP)to carry out system in-depth study,calculate the various quantitative and qualitative index weight,determine the specific evaluation index system,which are based on ground on how to prevent credit risk is given its own productive Suggestions.And then makes an empirical analysis on food processing enterprise credit risk evaluation,to the wild company as an example,according to the actual situation of enterprises for specific reasons,to establish the credit risk rating table,the analytic hierarchy process(AHP)is applied to the case enterprise,the dynamic risk assessment,control the actual risk of the enterprise status,prove that the author choose the analytic hierarchy process(AHP)used in the food processing enterprise credit risk assessment is feasible and offers some Suggestions for future research,such as in a bank agency to food processing enterprises to provide credit services,can undertake the credit risk assessment system and comprehensive,provides the solution,and targeted,emphasizes on the risk identification management,reduce the risk of credit losses brought about by the uncertainty.Finally,the author puts forward the corresponding policy Suggestions.