Research On The Loan Scheme Of Luda Agricultural Products Company By PSBC

2017 is the turning point of the country's major agricultural reform.The structural reform of agricultural supply side has provided the development convenience for the agricultural products circulation industry and the wholesale market of agricultural products.The reform along with our country agricultural production supply of the type,quantity and quality can be adjusted in a timely manner to meet changing consumer demand,so as to promote optimization of agricultural structure adjustment,improve the quality and efficiency of agricultural supply system.In recent years,the country has devoted itself to the promotion of agricultural policies to promote the development of agribusiness enterprises.Here as a whole industrial chain of large modern circulation for agricultural products group,under this big background,the enterprise wants to continue to maintain the leading position in the industry,it is necessary to expand the scale of the enterprise management,impact,bring benefits.All development cannot leave the sufficient funds,how to get the flow of the enterprises need for capital and to ensure layout is reasonable,is a design important reason of agricultural products co.,LTD.,the financing mode of head.Since its inception always adhere to the post office bank inclusive financial idea,conscientiously assume the social responsibility to bring about tangible benefits to both urban and rural residents,walked out of a service "agriculture,rural areas and farmers",small and medium-sized enterprises,the characteristics of community service development.The loan object here under the general direction in agricultural products conform to the post office bank credit policy,the post office bank amount,term and interest rate in money reasonable allocation,which is as a state-owned enterprises must shoulder management responsibility and as a state-owned Banks respond to the social responsibility of the national policy,support agricultural development.This paper firstly combed the theory basis of the domestic and foreign commercial bank loans to the company,comes from under the asymmetric information of credit rationing need bank secondary distribution,thus proves the rationality of the post office provide here company with bank loans.Secondly,it analyzes the loan risk preference of postal savings bank and the current business development direction of the bank.Third,analyze the main business development of shan dong agricultural products company,the future development direction.Fourth,analyze the current financial market environment and the financing environment of agricultural enterprises.Fifth,through the enterprise to provide three years of financial data,analyze the enterprise profit,and the development of enterprise at present predicament,help enterprise find out problems,by designing a conform to the current financial situation can give enterprise to provide liquidity loan scheme to help enterprises to effectively ease the financial pressure.The scheme is a comprehensive resource allocation for enterprises,which satisfies both the current financing needs of enterprises and the realization of profit maximization of enterprises and Banks in the case of controllable risks of Banks.Finally,a good loan design plan must be inseparable from effective measures to control risks.This paper describes the risk control problem of the loan scheme from two aspects.First in order to ensure the smooth implementation of the loan,the bank must be dominant role,the whole process tracking enterprise's application for funding through the media monitoring and field survey methods such as make sure the enterprise provides the data until the approval of the authenticity of the lending and money of subsequent use must be true and reasonable.Loan before the due diligence is inevitable,also should timely follow-up after loans,in accordance with the provisions of the strict post-loan management system,through the necessary risk aversion means to help enterprises to disperse,avoid risk,but also provides security for the loan bank.