Study On Steel Trading Loan Pattern Of Commercial Bank----from The Perspective Of Risk Control

As a pillar industry of the national economy, Steel industry is significant in economic development. Steel trading industry specializes in steel trade activities, which is the connecting bond between steel production and steel consumption. The steel trade enterprise can not work without loans to commercial banks in their daily operations for the highly cost of steel price and steel circulation. Credit crisis occurred in steel trading industry in2012, lots of steel trade enterprises went bankrupt due to their inability to repay huge loans from the bank, leading to the tens of billions non-performing assets of commercial banks. Therefore, theorists and practitioners begin to analysis the reason of steel trade credit crisis. They think there are many causes, such as lax bank regulation led to credit risk of steel trade enterprise, analyzing deeply, it may be the existing credit pattern cannot effectively control the credit risk. Based on this situation, the main purpose of this study is: from the point of view of the existing risk control, analyzing the three common credit pattern of steel trade, such as steel pledge loan, Credit guarantee loans and Mutual insurance group lending. And identify the problem and the reasons for its existence, we conclude that the three modes of existing loans cannot be effectively controlled steel trade credit system risk and non-systematic risk. On this basis, according to the characteristics of the steel trade and industry, design a loan pattern based on supply chain finance to effectively control the credit risk of steel trade loans of commercial banks to provide a reference for the steel trade loans pattern.First,the paper reviews related research status at home and abroad about the SME credit risk, credit pattern and risk control, and introduces the relevant basic theory to provide a theoretical basis for the following research; Secondly, introduces the current commercial bank lending model of steel trade and analyze the risks and issues of steel pledge loans, guaranteed loans and mutual credit guarantee loans.to further explore the necessity and feasibility of steel trade enterprises to develop supply chain finance; Thirdly according to the above results of study, introduce the concept of supply chain finance,design a steel trade loans mode based on warehouse and receivables pledged;Finally, through the case of the supply chain financial loans of A company and C bank,verify the feasibility and practicality of supply chain finance lending model, and put forward the corresponding improvements for practical problems. For my limited knowledge and research capabilities, I fail to analyze risk identification and assessment of steel trade loan, fail to establish the risk control model.