Research On Risk Identiifcation And Control Of Credit Business Of Coal Pledge

Since2013, affected by the slowdown of domestic macro-economic growth and theweakness of the international economic recovery, the supply of the coal market as a whole isrelatively loose, industry chain in all aspects of inventory pressure large, downstreamconsumption demand for coal is not prosperous. At the same time, coal imports have agreater impact on the domestic coal market prices, so that domestic coal prices show acontinued downward trend. Small and medium-sized enterprises of coal trade and industryprofit margins significantly compressed, a loss of some enterprises exacerbated, the creditenvironment deteriorated, formed a lot of risk cases in the commercial bank. Part of thecommercial banks have to shrink and exit of credit policy, and this worsens the plightof small and medium-sized enterprises of coal trade. In this context, in order to solve thecredit financing difficulties faced by commercial banks and small and medium-sizedenterprises of coal trade, this paper mainly adopts the methods of literature research, caseanalysis, induction&deduction and fuzzy comprehensive evaluation, studies and discussesthe coal pledge credit which is a new risk identification method and risk control measure forfinancing products, so as to improve the credit financing of small and medium-sizedenterprises in the coal trade to provide certain theoretical significance and practical value.After introducing the related concepts of coal pledge credit business, firstly, the paperintroduces when the commercial banks issued the credit business with the coal pledge as themain way of guarantee to small and medium-sized enterprises in the coal trade, the creditrisk mainly includes the industry risk, guarantee risk, moral risk and operational risk, etc,and this paper introduces three stages of different methods of risk identification includingcredit investigation, credit operation and post-loan inspection in such kind of businessdevelopment process. Secondly, through closely focusing on the risk characteristics of coalpledge credit business, appropriately referring to the relatively mature commercial bankcredit risk management design concept of western developed countries, and combining withthe present situation of our country, this paper from both macro and micro aspectscustomizes the specific risk control measures. Finally, this paper through two actual cases ofcoal pledge credit business as an example, and analyses commercial banks how to throughstrict scrutiny and perfect credit loan and post-loan management in the process of developing the coal pledge credit business, making accurate identification and effective control for thecredit risk in specific business, to do risk control in such business. So this paper betterproved that the coal mortgage credit business is an effective financing mode that suitable forthe coal trade of small and medium-sized enterprises, which not only reduces the credit riskof financing enterprises and commercial banks, but also makes the idle resources ofenterprises to get the effective use. In this way, the use of funds can be improved efficiently,the financial cost can be decreased, and the competitiveness can be enhanced; at the sametime, this can enrich the financing product line of the commercial banks to small andmedium enterprises, and further strengthen the competitiveness of the commercial banksunder the environment of “financial disintermediation”.