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飞鸿股份有限公司主要从事国内沿海和国际远洋货物运输业务。2008年,该公司准备增加公司的运力,购买一艘7万吨级的散装二手货船,而该船在二手船市场上国内外买家众多,竞争激烈。飞鸿公司急需在最短时间内融资到1500万美元购买该船,于是,飞鸿公司向Z银行提出融资申请。考虑到从海外购买船只需要等待政府批准,这与公司急需购买船只是相矛盾的,且在当时国际金融危机爆发和中国航运业指数下滑背景下,银行向飞鸿公司提供贷款会有较大风险,而银行又有向客户提供优质服务的使命,怎么办?Z银行做出决定变得非常艰难。该案例属于决策型案例,描述了Z银行经理层的决策场景和特定的决策过程。
Feihong Co., Ltd. is mainly engaged in domestic coastal and international ocean cargo transport operations. In 2008, the company plans to increase its capacity to buy a 70,000-tonne second-hand bulk carrier, which is home to foreign and second-hand buyers and highly competitive. Feihong urgent need in the shortest possible time to raise funds to 15 million US dollars to buy the ship, so Feihong Z Bank to raise financing applications. Considering that the need to wait for government approval for the purchase of vessels overseas is in contradiction with the urgent need for the company to purchase the vessels, and there is a greater risk that banks may provide loans to Phoenix at the time of the international financial crisis and the decline of the Chinese shipping industry index. And banks have the mission to provide quality service to their customers. What can Z Bank do? The case belongs to the case of decision-making and describes the decision-making scene and the specific decision-making process of Z Bank’s manager.