Research Of Controling Steel Trade Loan Risk

Began in the early 2012’s steel trade crisis makes steel trade loan risk is limitless. Before the financial crisis, China’s steel trade industry is in a stage of steady development, with the development of the financial crisis, the government to stimulate the economy to the market four trillion blew up steel trade and industry development, but also for the start of the 2012 steel trade crisis, Banks out of steel trade, loan problems mount, too. So the purpose of this article is the most main is to study how to resolve the steel trade bank loans risk. In steel trade credit crisis under the background of steel trade, in view of the current our country bank loan risks, finding the root causes of problems, to carry on the deep analysis, and suit the remedy to the case, study how to control the risk and put forward feasible Suggestions.In this paper, the first chapter is the introduction, the main content is about the purpose and significance of this paper, domestic and foreign literature review, research ideas and methods and the innovations and shortcomings.The second chapter is to review of steel trade, the credit crisis, first of all, the steel trade credit crisis before the steel trade industry and introduces the background of steel trade, bank loans, the second steel trade are reviewed separately according to the time order at the beginning of the credit crisis and the outbreak, the last of the steel trade, this paper discusses the influence of the credit crisis.The third chapter is the steel trade credit crisis as the background, respectively in the crisis of the steel trade loans model are introduced, and according to the features of each mode, the combination mode in the steel trade credit crisis about describe the risk of these patterns.The fourth chapter is the cause analysis on steel trade credit risk, to stand in the Angle of the bank, read from four aspects, the first three causes are from Banks outside, the fourth cause is come from inside the bank, the bank itself management is not perfect, it is also a steel trade, loan risk causes of the main reasons.The fifth chapter is from the overall to steel trade credit risk prevention and control of appropriate recommendations. Preventive measures are proposed in view of the above steel trade credit risk factors, risk also to appear at the end of the chapter after the advantages and disadvantages of the control method of made corresponding introduction, three methods are summarized after proposed the non-performing assets securitization is relatively optimal choice.In this article, I hope this can let more people focus on steel trade industry loan risk, because the market mechanism is imperfect, a steel trade crisis not only makes the whole steel trade industry has been hit, also has brought the profound lesson to the bank. The outbreak of the global economic crisis has announced the world economy into the "adjustment" period. This big background with Chinese periodical factors superposition determines the Chinese economy into the growth stage of the "new normal" period. Under the background of the bank must be strictly controlled their asset quality as well. Affected by the steel trade crisis in recent years, areas of non-performing assets of Banks is the manufacturing and retail wholesale, control the steel trade credit risk on bank lending has very important significance not only, also steel trade industry continued healthy and stable development of important premise.