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28-Apr-2017, 23:01 UT/GMT An overview of the relationship between the South Africa banking sector and the South African wine industry
Du Toit, Johannes Gerhardus (2006-03)
ENGLISH ABSTRACT: This study shows that a close relationship exists between the South African wine
industry and South African financial institutions. Research indicated a need to
understand the characteristics and complexity of the wine industry, as well as that of
credit assessment. This is important for both industries to further develop and
strengthen their relationships.
SA WIS provides statistics about various aspects of the South African wine industry.
The wine industry is characterised by a fragmented basis. To strategically focus the
industry, the South African Wine and Brandy Company (SAWB) was established in
In the application for finance it is important for the applicant to know how credit is
evaluated by financial institutions, and which aspects are of importance in the
application. One cannot predict the future. The credit assessor therefore bases his
credit decision on historical financial data, with the assumption that the trend will
continue unless there are indications to the contrary.
A specific wine industry credit application and evaluation process is discussed in the
study. The final decision is only as good as the analysis, and the analysis is only as
good as the information gathered. This study thus provides evidence that with a better
understanding of the South African wine industry, financial institutions will be able to
assess credit risks better. Similarly, the wine industry will benefit by a better
understanding of credit assessment when applying for finance. A detail SWOT
analysis was done on this industry.
A summary was done of the most important finance needs of the South Afican wine
industry, compared to the financial products offered by the South African banking
industry and the information required to do the credit assessment. The additional
information that the wine industry can supply to help the assessor to assess the
application, is also listed.
The study closes with proposals to the South African wine and banking industries on
what to implement, in an effort to achieve a better relationship.
AFRIKAANSE OPSOMMING: Die studie toon dat 'n verwantskap bestaan tussen die Suid-Afrikaanse wynindustrie
en Suid-Afrikaanse finansiele instellings. Navorsing toon aan dat daar 'n behoefte
bestaan om die karaktereienskappe en kompleksiteit van die wynindustrie te verstaan,
sowel as die van krediet keuring. 'n Beter verstandhouding is nodig om die twee
industriee se verwantskap te versterk.
SAWIS verskaf statistieke oor 'n verskeidenheid van die wynindustrie se aktiwiteite.
Die wynindustrie het 'n gefragmenteerde basis. Die Suid-Afrikaanse Wyn en
Brandewyn Maatskappy (SAWB) is in 2002 gestig, juis ten doel om die bedryf
strategies te fokus.
Dit is belangrik vir 'n aansoeker van krediet om te verstaan hoe die finansiele
instelling kredietaansoeke evalueer, asook watter aspekte belangrik is om aan te
spreek in 'n kredietaansoek. Die toekoms kan nie met sekerheid bepaal word nie. Die
kredietkeurder baseer dus sy kredietkeuring op historiese data, met die aanname dat
die tendens sal aanhou, tensy daar aanduidings is van die teendeel.
'n Spesifieke wynindustrie kredietaansoek en evaluasieproses word bespreek in die
studie. Die finale krediet besluit is slegs soos goed soos die analise en die analise op
sy beurt is weer net so goed soos die inligting wat versamel is. Die studie bewys dus
dat met 'n beter begrip van die Suid-Afrikaanse wynindustrie, finansiele instellings
'n beter kredietanalise evaluasie sal kan doen. Terselfdertyd sal die wynindustrie
bevoordeel word deur beter te verstaan hoe kredietaansoeke geevalueer word wanneer
vir finansiering aansoek gedoen word. 'n Detail SWOT-analise is op die bedryf
'n Opsomming word gedoen van die mees algemene finansieringsbehoeftes in die
wynbedryf, gemeet teenoor die finansiele produkte aangebied en inligting vereis deur
die finansiele instellings. Addisionele inligting wat die wynbedryf kan bied ten einde
die kredietkeurder te help om die aansoek beter te kan evalueer, word ook gelys.
Die studie sluit af met voorstelle aan die Suid Afrikaanse wyn- en bank industriee wat
geimplimenteer kan word teneinde 'n beter verhouding te bewerkstellig.
Please refer to this item in SUNScholar by using the following persistent URL: http://hdl.handle.net/10019.1/50573