钢贸寄望修复与银行关系 上海银行圈密控贷款

Steel trade relationship with Banks hope repair bank of Shanghai ring tight control loans

Last year the last months, 14% of the rebar futures surge, it means that hong tian peng lujiazui is beginning to warm. But the domestic steel trade enterprise day is still difficult. The gold stock "reporter contact bank sources," march and September are steel trade business focus shell out the day of last year, some Banks to rip open the face and steel trade enterprise to court, this year the upcoming march, and will be a lot of steel trade business ShengSiXian face."

"March siege" representation

Shanghai bank ring tight control loans

In September of last year or so, the domestic steel trade business anomaly sad. And home around the steel trade enterprise for loan contracts can not be to pay, is the people's livelihood, everbright bank, such as concentrated to court. Back then, several steel trade business to the gold stock "reporter reflects," although there is no one size fits all, but bank contraction so much, it is difficult to borrow money."

And the upcoming march, will be to meet steel trade enterprise loans out peak. It is understood that the steel trade business cluster, the current domestic steel trade, the trading volume of the top ten basic gathered all Shanghai. Statistics show that in 2011 the national steel trade a loan of 1.89 trillion, including Shanghai trade industry procured to bank financing amount to 160 billion yuan, this also means that Shanghai is becoming a rendezvous for loan risk.

So, Shanghai Banks "wu" in the hands of steel trade balance? In a local steel trade loan internal meeting, the financial circles to the gold stock "said," last year in September Shanghai silver inspect bureau official disclosure of data is, the local steel trade credit scale is about 1800-190 billion yuan. The balance should be dropped in within 180 billion yuan."

The people said, "the bank loan for steel trade statistics or more careful." At present Shanghai Banks to steel trade statistics "dark rule" is, want to accord with steel trade enterprise, the definition of must be included in statistics; Even if an ill-defined category of suspected steel trade enterprise, also can ask special search the Internet for information, and does not exist steel trade enterprise of leakage is.

Although this year march steel trade loan concentrated expires, but many Banks argues that the main risk is still in the bank estimated risk limits, steel trade industry on the impact of bank credit will not worry if the market is so big.

Both love and hate

Big Banks urgent shi "self-defense"

Bank to steel trading company, is both love and hate.

Nanjing steel trade chamber of commerce DaiMeiLin President to the gold stock "reporter introduction," steel trade is capital intensive industries, like me in the large steel trading market, more than 500 steel trade enterprise, a more than twenty square meters of ordinary small house, a year of trade can reach several hundred million each year. As long as the turnover for a, you must loan maintain turnover of funds. Because steel trade industry cashability is strong, big volume, there was a time when the bank initiative, the door to "borrow". 2011 years in the steel trade loans in bank lending rates as high as 3.5%, which is obvious.

But in recent years the situation is quietly changing. Steel trade by the first loan mortgage is given priority to, to guarantee the company full-time operation, and then warehouse receipt pledge arises at the historic moment, the development to the joint guarantee all the rage joint. After two stages since the repeat pledge, joint guarantee amplification of alienation operation, become a steel trade financing risk outbreak of fuse. Many insiders expect, after two kinds of financing in the proportion of 20% - 30%.

Risk and benefit coexist, let the Banks different choice. Banks are also enable "self-defense". Carding machines, strengthen communication, turn down the highest loan amounts, stop with high-risk mortgage, this is the primary stage. Steel trade business through the financial leverage channels before the accumulation of fixed assets and wealth, some Banks began to urge the cash as soon as possible in order to shell out. Part of the bank is "time in space", for instance, in an enterprise respectively two loan on March, 5 month, 3 month's first, and then the lend a pen to convenient also may. Through the disguised delay, reduce the bank loan balance, but also avoid steel trade business overdue loan repayment of the consequences.

Shanghai pudong development bank office insiders to the gold stock news, "pu fa steel trade loans are very few, lending customers in the industry scale is larger, and 85% for the real estate mortgage. The company is not valued in this industry, its operation mechanism is not suitable for the company's risk management system.

Four big state-owned Banks are "come late, from early." Construction bank nanjing a branch President told reporters, "the company has been more cautiously, involved in steel trade, this line is late. Last year steel trade risk came to, steel trade rights loans received branch level, we are not as many branches that actively looking for the customer, in slowly compression."

As for the people's livelihood bank etc, belong to the apparent "radical", last year more frequently in steel trade loans in the lawsuit. Although last year in the steel credit risk fermentation, the company executives have a telephone communication meeting, said to all around is the core enterprise and downstream industry chain, loan, so compared with trade "hurt the most light", but did not eliminate outside doubts.

Transformation stable downstream customers

Steel trade relationship with Banks hope to repair

"Banks to compress the scale, but the speed will not soon, it is involved in the game between Banks. A steel trade business possible from several bank loans, if you contraction, other bank will quickly follow up, the result can only be you moderate gradually reduced scale." Shanghai researcher to the gold stock "analysis.

Of course, the bank also began in the collective reflection. In the steel trade loan internal meeting, many Banks insiders said, "steel trade industry need to qualitative change, the bank will support to stretch out the hand." In their view, steel trade is essentially a business and non-financial means. The frequent problems, in the industry will be the normal business operation into financial activities, causing financial risk accumulation.

In addition, steel trade business low profits, on the one hand, transportation, warehousing, a large number of cost steel trade business for money if thirsty, on the other hand, by the steel mill, intermediate customer and so on each link, the industry form 1% of profits can't even cover 6% of the basic loan interest rate.

To this, DaiMeiLin did not deny, and "last year steel market remains sluggish, steel trade, no profit space, a lot of people take money to throw other high-risk industry, but at that time the real estate industry is not easy to earn money. At that time from a lot of run road, are not formal do steel trade business, if not speculation, not can't make money."

Current steel price rising slowly, he said: "the day began to better", but it does not mean steel trade can completely out of winter. "If still stay in the traditional business model, we can only more do die. Now everyone began to industrial development in the other direction, including logistics, processing, distribution and so on, make great efforts to improve the service value. Although profits can't immediately increase how much, but at least stable downstream customers business. As long as the return to health, believe that we can gradually repair and bank relationship. DaiMeiLin to the gold stock "reporter said.