Risk Management Research Of Weifang ZS Bank Steel Material Pledged Financing Project

The demand of steel was extreme downturn in current market led to the steeltrade enterprises’ development difficulty,steel prices continuous declination led to the steel trade enterprises losses,and ultimately unable to repay bank loans.Weifang ZS Bank’s scale of steel pledge financing project was more than other banks,when the risk of steel pledge financing project investigation,it founds out many problems in operation,directly affect the cooperation of bank and the steel trade enterprises,and affect the bank’s credit assets risk.Through analyzing the problems and shortcomings of the existing model,and analysis on current situation of steel pledge financing project of Weifang ZS bank,using project management’s research method and technology roadmap,focus on study research the risk management and risk control,this thesis puts out the line of loan review,lending operation and post-loan management like poorly regulated,low opinion of pledge worth,artificially expand the risk and other aspects of the problems and deficiencies in present model.The thesis charmed project management’s argument and analysis methods,put forward to optimize the project operation process,improve the operation feasibility and more effective risk control methods,including the introduction of the monitor company,monitor cargo whole flow and dynamic management the price of still and other steps,establish a new more model which is advanced and feasible,to achieve both the steel trade enterprise’s management not Influenced by steel pledge,and can reduce the risk of bank credit business.