由于钢贸行业不景气，近期出现银行集中诉讼钢贸企业。

Due to the steel trade industry downturn，Recent bank concentration litigation steel trade enterprise。

　　8月15日，原定于上午开庭的光大银行(601818,股吧)金山支行和上海翘首钢铁贸易、上海欣翰金属材料等近10家钢贸企业诉讼延期，这也标志着8月6日以来，金融机构与数十家钢贸企业第一波的借款纠纷官司暂告段落。

August 15,，Morning hearing scheduled for the everbright bank(601818,guba)Jinshan branch and Shanghai crane steel trade、On HaiXin John metal materials nearly 10 steel trade enterprise continuance，It also marked the since August 6,，Financial institutions and dozens of steel trade enterprise the first wave of borrowing dispute lawsuit temporary against paragraph。

　　记者通过跟踪富源典当、宝富典当、建设银行、民生银行(600016,股吧)、光大银行借贷案件的开庭和调解，直击了这场金融机构与钢贸商的集体诉讼。

Reporter through the tracking fuyuan pawn、Treasure rich pawn、Construction bank、Minsheng bank(600016,guba)、Everbright bank lending the hearing of the case and mediation，Direct the financial institutions and steel trade business of collective action。

　　在这十天里，建设银行与钢贸商签订了和解协议，同意钢贸商在未来数月分期偿还贷款；民生银行本来即将开庭的案件进入调解程序；光大银行则申请了延迟开庭，称与钢贸商还有协商空间。

In the ten days，Construction bank and steel trade business signed the settlement agreement，Agree with steel trade business over the next few months installment credit；Minsheng bank was the court case into the mediation procedure；Everbright bank is applied for delayed opening，Say and steel trade business and consultation space。

　　钢贸行业的阴霾仍难言褪去。据了解，上海钢贸商集聚在数十家钢材市场内，8月4日，逸业钢材市场老板被上海经侦抓捕，市场停止运转；8月9日，记者来到被光大起诉的弘诚钢材市场，惊奇发现该市场已经改弦更张做起了建材，原有钢贸企业悉数散尽；同样，涉光大贷款案的几家钢贸企业所在的青浦一家钢材市场也已处于危机中。

Steel trade industry haze still difficult shed。It is understood，Shanghai steel trade business agglomeration in dozens of in the steel market，On August 4,，Escape industry steel market the boss was Shanghai crimes catch，Market stop running；On August 9,，The reporter comes to be prosecuted everbright hong honesty steel market，Surprise found that the market has changed with the building materials，The original steel trade enterprise all over；The same，Wade everbright loan case of several steel trade enterprise in the qingpu a steel market has also in the midst of a crisis。

　　记者期间发现，不少涉案的钢贸企业法院已联系不上，甚至出现了因找不到钢贸商相关当事人而取消庭审、调解的现象。

Reporter found during，A lot of the suspects, steel trade enterprise court has no contact，Even appeared because of can not find steel trade business related to the person concerned and cancel the trial、Mediation phenomenon。

　　不过钢贸贷款危机发生以来，政府、监管、银行已引起高度重视，各方积极行动以解决问题。一位银行人士表示，他们对钢贸贷款目前已较为谨慎，但并非一刀切，钢贸行业仍存在信誉良好、运营较好的企业，对它们仍然会积极支持。

But steel trade since the loan crisis，The government、supervision、Bank has draw high attention，The parties positive action to solve the problem。A bank say，Their steel trade loan has been more cautious，But not one size fits all，Steel trade industry still has a good reputation、Operation good enterprise，For they will still positive support。

　　危机留给企业、银行的还有反思。对于银行而言，过去两年为冲业绩冲规模，对钢贸企业过度授信，风控门槛下降，为今天的困局埋下了种子。

Crisis for enterprise、The bank and reflection。For Banks，In the past two years for impact performance impact scale，The steel trade enterprise excessive credit，Wind control threshold decline，For today's predicament buried the seed。

　　收贷博弈？ ShouDai game？

　　诉讼中，银行和钢贸商的博弈才真正开始。

lawsuit，Banks and steel trade business game to really start。

　　8月9日，建设银行诉上海钢闽金属、上海银顿贸易、上海钢焰贸易、上海闽宏实业一案在杨浦法院开庭，调解刚开始，双方便陷入争吵，争议的焦点是“建行员工欺骗”。据钢贸商介绍，上述四家企业共同向建设银行借贷近千万元，每家100-200万，四家企业被要求互相担保。

On August 9,，Construction bank v. Shanghai steel fujian metal、Shanghai silver meal trade、Shanghai steel flame trade、Shanghai fujian macro industrial case in the yangpu court session，Mediation first，Both sides will be in the quarrel，The focus of the dispute is“Construction bank staff cheating”。According to the steel trade business is introduced，The above four enterprise common to the construction bank lending nearly ten million yuan，Every 100-2 million，Four companies are required to guarantee each other。

　　今年上半年上述贷款即将到期，钢贸行业的不景气在今年进一步恶化，建设银行信贷员密集联系四家钢贸商，发现上海钢闽的资金状况最差。其他三家钢贸商认为，“因为是互保，我们还贷后，如果钢闽贷款还不出来，我们仍然要代偿”。

In the first half of this year the loan is about to expire，Steel trade the recession this year in further deterioration，Construction bank loan officer intensive contact four steel trade business，Found that Shanghai steel fujian's finances the worst。The other three steel trade business think，“Because it is mutual insurance，We repay，If steel fujian loans still don't come out，We still have to commute”。

　　因此三家钢贸商让建行先和钢闽沟通。此后不久，建行信贷员告知三家钢贸企业，钢闽已偿还贷款，三家企业随即也偿还了贷款。

Therefore three steel trade business for the construction bank first and steel fujian communication。Soon after，The construction bank loan officer told three steel trade enterprise，Steel fujian has to repay the loan，Three enterprise then to repay the loan。

　　但8月初，一张法院传票被送至三家钢贸商，起诉理由是，钢闽贷款并未偿还，他们需要承担连带责任。

But early August，A court summons was sent to three steel trade business，Prosecution reason is，Steel fujian loan did not pay，They need to bear joint and several liability。

　　三家钢贸商顿感被骗。在8月9日的调解上，争吵持续接近3个半小时。建行最终同意和解，钢闽在之后的几个月分期偿还贷款，另计利息。

Three steel trade business meal feeling swindled。On August 9, on the mediation，The quarrel continued close to three and a half hours。The construction bank finally agreed to reconciliation，Steel in the fujian after a few months installment credit，Another meter interest。

　　相比之下，弘诚钢材市场一负责人称光大银行的收贷方式似乎更为隐蔽。

Compared with，Hong honesty steel market a responsible person of everbright bank ShouDai way seems to be more hidden。

　　这位负责人介绍，去年9月份弘诚钢材市场开业后，光大银行金山支行信贷人士带着6家钢贸商到钢材市场，称“要给钢材市场介绍客户”，条件是钢材市场给这几家钢贸商4000万续贷做一下担保，之后这几家钢贸企业的商铺和钢材存货都会进入市场。

The chief introduction，Last September hong honesty steel market after opening，Everbright bank jinshan branch credit people with six steel trade business to the steel market，says“To introduce the steel market customer”，Condition is the steel market to the several steel trade business for 40 million credit do a guarantee，After this several steel trade enterprise's shops and steel stock will come into the market。

　　“最近我接到传票，我们和那几家钢贸企业一起被光大起诉了。但那几家钢贸商人和货都没有进来。”上述负责人称。

“I recently received summons，We and the several steel trade enterprise with everbright sued。But that several steel trade merchants and goods are not come in。”The officials say。

　　8月15日，原定于上午在金山法院的开庭被延期。法院一位人士告诉记者，原被告双方都有此要求。上述负责人告诉记者，目前双方在协商，一个方案是，6家钢贸企业现金还款1000万，之前财产抵押有2000万，重庆一家担保公司代偿1000万。

August 15,，Scheduled morning in jinshan court session to be extended。The court a source told reporters，Both sides are committed this requirement。The person in charge told reporters，The two parties in the negotiation，A scheme is，Six steel trade enterprise cash reimbursement 10 million，Mortgage of property before 20 million，Chongqing a guarantee company compensated 10 million。

　　记者就上述诉讼情况向光大银行金山支行核实，对方一位相关人士回应记者，“周一开会已重申，新闻采访需要上海分行答复”。光大上海分行则表示，目前案子处于司法过程中，不宜发表评论。

Reporters were said action to everbright bank jinshan branch to verify，Each other a relevant personage response to reporter，“Monday conference has reiterated its，Shanghai branch news need to reply”。Everbright Shanghai branch, said，At present the case in the judicial process，Unfavorable comment。

　　相比光大、建行，另一家国有大行在收贷前，资金则早已被企业挪用。8月10日，一家国有大行起诉沪上一五金、建材、建筑企业。据了解，该银行前两年总计给予企业1.5亿元贷款授信，截至上半年有1.3亿贷款逾期。

Compared with everbright、CCB，Another state-owned large ShouDai in front，The funds have been enterprise appropriation。August 10,，A state-owned large line prosecution Shanghai a hardware、Building materials、Construction enterprises。It is understood，The bank before two years total give enterprises was RMB 150 million loan credit，In the first half of the 130 million loans overdue。

　　该银行诉讼称，在取得贷款后，企业将贷款以“其他应收款”方式给予了该企业建筑的总承包商，后总承包商将钱转移到了该企业下面的房产公司，目前贷款已经逾期。

The bank says litigation，After obtaining the loan，The enterprise will loans to“Other receivables”The way to give the general contractor enterprise architecture，After general contractor will transfer money to this enterprise the following real estate company，Current loans have exceed the time limit。

　　“钢材市场”洗牌 “Steel market”shuffle

　　中钢协数据显示，今年以来，国内市场八个品种钢材价格均不断下跌，主产品螺纹钢、中厚板价格在4000元左右，而去年底还在4300-4500元/吨。“钢贸商没有生意会亏钱，做贸易亏得更多。”上述典当行案中的一家钢贸商对记者称。

Steel association data display，Since this year，The domestic market eight varieties of steel prices are falling，Main rebar、Medium thickness plate the price is in 4000 yuan or so，But the end is still in 4300-4500 yuan/ton。“Steel trade business no business will lost money，Do trade luckily more。”The pawnshop case in a steel trade business to reporters said。

　　比低迷钢市更危险的是钢贸商的信誉下滑。根据记者了解，钢贸商违规贷款主要有三种途径，包括钢材重复质押、钢材市场担保后抽取资金、互倒交易扩大交易量。这几种途径目前均已在钢贸案件中暴露，钢贸商信誉急跌。

Hong tian peng lujiazui than downturn more dangerous is steel trade business reputation glide。According to reporter understanding，Steel trade business illegal loans mainly have three kinds of ways，Including the steel repeat pledge、The steel market guarantee funds after extraction、Mutual fall trading volume expand。The several methods at present are already in the steel trade cases exposed，Steel trade business credit tumbled。

　　“不少钢贸商通过质押钢材向国有企业借入资金，月息1分多，这条资金链也比较危险。”上述钢贸商称。

“Many steel trade business through the pledge steel to the state-owned enterprise borrowed funds，Monthly interest more than 1 minute，This article capital chain also more dangerous。”The steel trade, shang says。

　　8月4日，位于周家嘴路的逸业钢材市场老板被上海经侦抓捕，该老板通过提供担保方式，让钢材市场内的钢贸企业向银行、典当行贷款，再从钢贸商手中借走这些资金，目前该钢材市场基本停止运转。

On August 4,，Located in the weeks of the house mouth road rising industry steel market the boss was Shanghai crimes catch，The boss by providing guarantee way，Let in the steel market steel trade enterprise to the bank、Pawnshop loan，And again from steel trade business hand borrowed the money，The steel market basic stop running。

　　无独有偶，8月9日，记者赶赴位于上海金山的弘诚钢材市场，辗转才问到公司所在地，原因是去年9月成立的弘诚钢材市场已经不复存在，而是改弦更张为弘展建材市场，空荡的市场几乎不见钢材存货和钢贸商户。

similarly，On August 9,，Reporter to is located in jinshan district, Shanghai hong honesty of the steel market，Toss just asked company is located，The reason is established last September hong honesty steel market has ceased to exist，But make a fresh start for hong exhibition building materials market，An empty market almost no steel inventory and steel trade merchants。

　　目前，弘展只有零星几家建材商户开门，一家建材商户告诉记者，这边的房租较为便宜，“我们年初从嘉定的钢材市场搬过来，主要看重房租便宜，先放一下货”。

At present，Hong show only sporadic several building materials businesses to open the door，A building materials merchant told reporters，Here's rent is relatively cheap，“At the beginning of our from the jiading steel market move over，The main advantage of the rent，First put the cargo”。

　　一位熟悉弘诚钢贸市场的钢贸商告诉记者，该市场在一股份银行有数千万授信，但因为钢市不景气和贷款官司，至今没有贷出来。目前，只有抵押钢材市场土地获取几千万的贷款以维持运营。

A person familiar with hong honesty steel trading market steel trade business told reporters，The market in a stock Banks have tens of millions of credit，But because hong tian peng lujiazui recession and loan case，So far no credit out。At present，Only mortgage steel market land acquisition tens of millions of loans to maintain operation。

　　弘展近期曾向其他银行提出贷款，但一家银行就拒绝了放贷。而据上述弘诚负责人称，该市场担保的几家钢贸企业之前所在的青浦一家钢材市场已经处于危机阶段。

Hong exhibition recently was put forward to other bank loans，But a bank refused to lend。And according to the above hong sincere responsible person，The market guarantee several steel trade enterprise before in the qingpu a steel market has been in a crisis stage。

　　钢贸行业的问题也在引起更多部门关注。记者获悉，8月14日，相关部门已经召集银行开会，探讨防范和化解钢贸贷款风险。

Steel trade industry problems cause more attention in the department。The reporter learns，On August 14,，Relevant departments have called the bank at the meeting，To explore guard against and defuse steel trade loan risk。