食品行业作为泉州市重要支柱产业和五大传统产业之一，目前泉州已经形
成了一大批具有全国市场影响力的品牌，尤其是在休闲食品方面，已跻身全国
三大生产基地之一。同时，泉州的食品行业也开始向高端食品研发、转型、进
阶，同时开辟了欧美、日本、韩国、澳大利亚、新加坡等国际市场
与泉州食品行业广阔的市场和巨大的发展潜力相比，兴业银行泉州分行现
有的业务状况更显得微不足道，缺乏整体营销方案，公私联动情况一般，对小
微食品企业介入较少，营销方案较单一，使用的产品品种较少，粘性较差，未
形成系统的供应链金融业务，且信贷风险的担保方式以保证担保和信用免担保
为主，风险保障水平较低。对食品行业信贷业务的需求分析不到位、对食品行
业产业链上不同市场主体的信贷政策没有针对性、信贷业务没有很好地支持兴
业银行泉州分行的战略定位，弱化了兴业银行泉州分行在泉州区域食品业市场
的同行竞争力
本文着重突出当前泉州食品行业各环节的信贷需求，通过对兴业银行泉州
分行在食品行业信贷现状的深入了解及分析，对兴业银行泉州分行食品行业的
信贷方案提出自己的观点，基于规模及供应链链两个维度，对泉州食品行业的
信贷方案进行设计，制定具有针对性的信贷服务方案和产品，并提出相关的风
险控制建议。本论文通过对兴业银行泉州分行食品行业信贷业务发展现状的分
析，总结其存在的问题，从而针对兴业银行泉州分行未来在食品行业的信贷业
务提出具有参考价值的对策及策略，使其更具有现实意义
关键词：食品行业 信贷方案 风险控制 兴业银行泉州分行II
Abstract
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&39;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 industrialIII
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.
Keywords: Foot industry Credit plan Risk Control
Quanzhou branch of Industrial BankV
目录
第 1 章 绪论 .......1
1.1 研究背景及意义...........1
1.2 论文的研究特色及创新之处.2
1.3 研究内容和论文结构.......2
1.4 研究方法与技术路线.......3
1.4.1 研究方法.3
1.4.2 技术路线.3
第 2 章 相关理论综述 ...........5
2.1 信贷风险管理相关理论.....5
2.1.1 国外文献综述.........5
2.1.2 国内文献综述.........7
2.2 供应链金融相关理论研究...8
2.2.1 国外研究进展.........8
2.2.2 国内研究进展.........9
第 3 章 兴业银行泉州分行食品行业信贷的现状 11
3.1 食品行业发展的概述......11
3.1.1 我国食品行业发展的现状..........11
3.1.2 泉州市食品行业发展的现状及未来发展趋势......12
3.2 兴业银行泉州分行食品行业存量客户信贷情况分析....15
3.2.1 兴业银行泉州分行食品行业的信贷情况..........15
3.2.2 泉州地区食品生产企业在同业金融产品应用......19
3.3 兴业银行泉州分行食品行业信贷业务现状存在的问题..20
3.3.1 对食品行业信贷业务的需求分析不到位..........20
3.3.2 对食品行业供应链上不同市场主体的信贷政策没有针对性......21
3.3.3 信贷业务没有很好地支持兴业银行在同业的竞争力21
第 4 章 兴业银行泉州分行食品行业信贷方案设计 ..........23
4.1 泉州食品行业企业经营模式23VI
4.1.1 采购模式23
4.1.2 销售模式23
4.1.3 盈利结构24
4.1.4 结算方式24
4.2 食品行业全供应链条——以某食品企业进行解剖......25
4.2.1 产品方面25
4.2.2 食品企业供应链分析..25
4.3 基于规模的食品生产企业信贷方案设计..27
4.3.1 对于大型的生产制造食品企业......27
4.3.2 对于中型的食品生产制造企业......28
4.3.3 对于小型的食品生产制造企业......30
4.4 基于供应链的食品生产企业信贷方案设计30
4.4.1 经营主体信贷........30
4.4.2 上游供应商信贷......32
4.4.3 下游销售商信贷......32
4.4.4 以核心企业为中心的供应链金融信贷33
4.5 兴业银行泉州分行食品行业信贷的建议..34
4.5.1 深化存量优质龙头企业合作........34
4.5.2 加强公私联动，深入挖掘客户......35
4.5.3 实现食品生产流通企业集群营销....35
4.5.4 其他建议35
第 5 章 兴业银行泉州分行食品行业信贷的风险控制 ........37
5.1 兴业银行泉州分行食品行业信贷的风险防范..........37
5.1.1 经营主体的选择......37
5.1.2 风险担保措施的选择..38
5.1.3 优化整体信贷方案....38
5.2 兴业银行泉州分行食品行业信贷的风险评审..........39
5.2.1 关注泉州地区食品企业负面信息收集与分析......39
5.2.2 泉州地区食品企业基本情况和经营情况分析......40
5.2.3 泉州食品企业财务情况分析........41
5.2.4 担保情况审查........41VII
5.2.5 相关风险管理指标....42
第 6 章 结论 ......45
参考文献 ..........47
致谢 ..49
个人简历 .....
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