Research On The Credit Risk Management Of The Industrial Chain Finance Of Iron And Steel Group Finance Company A

The so-called industry chain finance is a service mode in which Banks,financial companies and other financial institutions take the core enterprises in the industry chain as the center,design personalized and standardized financial service products for each link of the entire industry chain,and provide comprehensive financial services for all enterprises in the industry chain.At present,China's GDP growth is slowing down,and the steel industry is facing severe overcapacity.How to resolve the excess capacity and seek the transformation,upgrading and healthy development of the steel industry has become a huge problem facing steel enterprises and their financial companies.As the main product of China's domestic financial integration,the enterprise group finance company has to some extent met the needs of the enterprise group's capital management,settlement,financing and other financial services,and played a positive role in improving the efficiency of capital use.The important role and development potential of enterprise group finance companies in the deep exploration of industry chain finance have also been increasingly valued by the state,providing sufficient policy support for financial companies to develop industry chain financial services.The construction of an industrial service ecosystem with the core of an enterprise group financial company has become an effective way for an enterprise group to vitalize capital,integrate resources,highly integrate industrial capital and financial capital and generate synergies under the premise of controlling risks.However,compared with the group's internal financing business,the industry chain finance is more risky and more difficult to control,and risk management is still a very critical link.Among them,credit risk,as the most important and difficult to measure risk in modern finance,deserves the attention of all financial companies.Industrial chain finance theory based on the basic theory,theory of corporate governance and risk management theory,information asymmetry theory,etc.is the basis,using literature research,case analysis,qualitative analysis method,problem oriented method as the main research method,case with A financial company as A starting point,in accordance with the "ask questions-analysis problem-to solve the problem of the research paradigm,firstly sums up the concept and characteristics of industrial chain finance,system elaborated the industrial chain of financial theory,corporate governance theory,credit risk theory,information asymmetry theory,combined with the latest research results of risk management,especially the credit risk management and practice,expounded A iron and steel group and its financial company's basic situation,the financial industry chain business model,credit risk management status,was introduced in detail in the organizational structure of credit risk management,credit risk identification,measurement,monitoring and control,lists A financial company in the industrial chain of financial services in the process of credit risk management problems and the insufficiency,system analysis the root cause of the problem,and in the second chapter,on the basis of basic theory,according to China's financial company function orientation and the development of credit risk,is given A financial company financial credit risk management in the industry of improvement measures:That is to improve the awareness of credit risk identification by perfecting corporate governance system,strengthening internal audit of credit risk management and cultivating credit risk management culture.By strengthening the construction of management information system,improving the risk management module,improving the industry chain financial credit evaluation index system,and establishing appropriate credit risk quantitative model to strengthen the credit risk measurement technology.Through the construction of the whole process of risk warning system,as soon as possible access to the people's bank credit system,promote the pressure test to optimize credit risk monitoring.The credit risk control measures are improved by means of risk control gateway moving forward,establishment of prior access principle,optimization of guarantee measures,mitigation of guarantee circle risks,division of business risk degree,hierarchical management and enhancement of diversity of non-performing loan disposal.