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Strengthen the analysis of edible oil processing industry to prevent the possible trade of credit risk


Question (a) of the total deposits and market share ranking on the list. Of 2004, \incremental order of precedence are more on the list. Market share throughout the city only the bank's 1 / 3. Similarly, both the stock of savings deposits at the bottom or incremental also, the average annual stock of the bank is only 1 / 4, the annual increment of modest, only ICBC 1/l7. (B) the slow development of new business. In recent years, the bank launched a large variety of new business. Such as the agency business, banks and securities (insurance) business cooperation, the bank card business, Internet Banking and more. To the insurance agency business as Cheng Xiaobo cases, city insurance agency business almost at a standstill. A statistical data show that the first quarter of 2004, the Bank Agent life insurance 25.89 million yuan,[link widoczny dla zalogowanych], while urban agencies total life insurance premium income of 204 million yuan (including suburban branch of 1.77 million), only full line of life insurance premiums 7.9% of income. Some institutions have even a single is not out. (C) the customer more difficult to restructure. Although non-performing assets town line balance transfer lines clear, but the basis of the current development of urban line is still fragile, and management weaknesses still exist, especially in customer structure is irrational, quality customer ratio is too low,[link widoczny dla zalogowanych], a direct result of operational risk is difficult to reduce, profit growth is difficult to speed. The negative effect of many customers while taking up valuable counter resources and network resources is not conducive to attract good customers. In recent years, the way the financial growth of transformation from a simple scale of expansion to the past intensive management, and urban lines, \not lead to inferior customer to exit more difficult. (D) Standardization of business outlets long way to go. Financial resources in order to seize this strategic city, \Except for a few secondary branches in a city network, other networks are not all the Standardization of people one by one ... ... ... ... ... ... ... one of a ... ...:::! Ii!!! I and help local businesses with international and domestic oil giants to establish various forms of cooperation. From the raw materials market in recent use of enterprise from the consumer market in recent advantages, identify edible oil processing industry in the positioning of the chain, and enhance ability to withstand market risks, and in the process of credit business, whether large enterprises will establish a good and stable cooperative groups as an important factor in market research. (D) to strengthen the research on industrial development,[link widoczny dla zalogowanych], and strengthen the overall oil processing enterprise risk management. First, check to be put in place on the access conditions. On oil companies in the industry, trade, comparative advantage of products to fully analyze and judge, to avoid blindly follow, in the company's rating on credit to strictly; the second is the risk of the comments: Some line identification card is not obvious,[link widoczny dla zalogowanych], the customer It is difficult to find; some hawker stalls line the entrance road occupation business, seriously affecting the customers into the business hall to conduct business; some large volume of business lines and operating room area is small, the counter number and the network terminal fewer customers line up for business waiting too long, has seriously hampered the development of these lines of business, competitive network is gradually declining. Second, to promote the rapid development of urban line of business a few suggestions (a) of the two branches should be increased to guide efforts. Two branches should be sufficient. Divided by the high quality of personnel,[link widoczny dla zalogowanych], a wide range of information resources and business-related advantages of higher levels of regular line of business guided city. Branches can be taken to the practice of organ sections packet network to give specific guidance, timely primary line of business is to help resolve the difficulties. Form a \(B) fitting a good \\Made in accordance with provincial branch of the \Matching good \Keen sense of the market, new business ideas. Work ability, high level of knowledge of personnel selection to enrich the leading bodies, enhance team cohesion and combat analysis in place. To-business production, supply, sales, profits and other risks detailed analysis of a comprehensive, all found to be involved and the factors that affect the safety of credit funds, to be resolute decision-making, firm exit; third is in place to survey the scene. Mill Account Manager (s) to be clearly related to duties, regular or irregular in-depth customer understanding of business, visit the production, checking inventory, identify problems and effective measures to take effective, timely response and resolve; fourth is to sync warning in place. Key customers to have the credit to strengthen the tracking and monitoring, to strengthen post-loan management, found that the risk warning in time, and simultaneously make clear asset protection and loan collection work. \