Research On The Credit Problems Of Leading Enterprises In Agricultural Industrialization Supported By C Bank Henan Branch

Agricultural industrialization is the development direction of modern agriculture.As an important part of modern agricultural industry system,the leading enterprise of agricultural industrialization is the key force to promote the management of agricultural industrialization.The Central Document No.1 in 2019 clearly stated that advancing agricultural industrialization is the only way to develop modern agriculture.It is necessary to vigorously develop the modern agricultural product processing industry and cultivate leading enterprises of agricultural industrialization that have a strong driving force and establish a close connection mechanism with farmers.As a veritable "granary" and "kitchen" in the country,Henan Provincial Party Committee and Provincial Government regard the development of agricultural industrialization as an important way to increase farmers' income.After several years of development,Henan Province has cultivated a number of leading agricultural industrialization enterprises with high visibility and market share.With the rapid development of agricultural industrialization,the leading enterprises of agricultural industrialization have become the customer groups of many banking financial institutions.However,in the past two years,affected by many internal and external factors,some of the provincial,municipal and even national leading enterprises of agricultural industrialization with operating income of over 10 billion in Henan province have encountered operational difficulties,capital chain rupture,liquidity risk,debt default,and even been forced to go bankrupt.This phenomenon has attracted extensive attention from government departments,regulatory commission of Banks and Insurance,the media.The government of Henan province held a special meeting to solve the problem of leading agricultural industrialization enterprises,and the bank insurance supervision bureau led an investigation team to enter enterprises.Commercial Banks took measures such as loan extension or refinancing to bail out enterprises.In this context,this paper takes the Henan branch of bank C as the research object and the credit support of leading agricultural industrialization enterprises as the research topic.By analyzing the current status of this bank supporting leadingagricultural industrialization enterprises,it has been found that in the past three years,the loan balance of leading agricultural industrialization enterprises of Henan branch of bank C has been decreasing year by year,while the non-performing loans have been increasing year by year,especially the loan customers of national and provincial leading enterprises have been decreasing.Then,from the perspective of internal credit management,this paper examines the bank's problems in supporting leading agricultural industrialization enterprises from the perspective of pre-loan investigation,in-loan approval and post-loan management.For example,in the aspect of pre-loan investigation,the loan data verification is not detailed,the financial analysis is formalistic,the risk disclosure is not sufficient,and the investigation responsibilities are misaligned;In the examination and approval of loan,there are many problems such as many examination and approval links,long examination and approval process,and slow progress of smart credit;In post-loan management,such as weak implementation of post-loan system,formless post-loan inspection,lack of assessment of post-loan management,and insufficient use of financial technology.After an in-depth analysis of the reasons for the above problems,this paper holds that the main reasons for the increase in the non-performing loan ratio of the leading agricultural industrialization enterprises in Henan branch of bank C and the decrease in the number of customers with loans are the low business quality of the account manager,the cumbersome credit business process,and the lack of supervision of post-loan management.Finally,it puts forward countermeasures and suggestions for problem optimization based on actual work experience,such as strengthening the construction of credit personnel,optimizing credit business processes,strict pre-loan investigation procedures,and strengthening post-loan tracking management.