是继2009年授信沙钢30亿元后，对钢企授信的最大单 Is the 2009 credit shazhousteel after 3 billion yuan,For steel enterprises credit the biggest single

　　理财周报见习记者 陈虹霖/上海报道

Financial weekly trainee reporter ChenHongLin/Shanghai reported

　　钢铁行业不景气，钢贸商跑路，银行集中起诉钢贸企业追讨逾期贷款。“风险”开始和“钢”不自然地捆绑在一起，不少银行信贷人员甚至“谈钢色变”。在这样的市场环境下，江苏银行给予中天钢铁15亿授信则显得有些另类。

Iron and steel industry downturn,Steel trade business to run road,Bank concentration prosecution steel trade enterprise punish overdue loans."risk"Beginning and"steel"Don't naturally tied together,A lot of bank credit personnel even"Talk about steel colour change".In such a market environment,Jiangsu bank gives zenith steel 1.5 billion credit appears some alternative.

　

　复制“龙川模式” copy"Longchuan mode"

　　8月16日下午，江苏银行与中天钢铁集团、江苏天裕能源化工集团、常宝股份(002478,股吧)（002478.SZ）、江苏天成钢管公司4家民营企业，在中天钢铁集团签署《组团共建协议》。同时，还与中天钢铁集团签署《银企战略合作协议》，承诺在未来两年内，向中天钢铁集团提供统一授信总额15亿元等值人民币的意向融资安排。

On August 16, afternoon,Jiangsu bank and transit iron and steel group/Jiangsu tianyu energy chemical group/ChangBao shares(002478,guba)(002478 SZ)/Jiangsu tiancheng steel pipe company four private enterprise,Iron and steel group signed in transit[Group build agreement].At the same time,Also and transit iron and steel group signed[The fact strategic cooperation agreement],Commitment in the next two years,To transit iron and steel group to provide a uniform credit total 1.5 billion yuan RMB equivalent intention financing arrangements.

　　据公司官网介绍，中天钢铁集团以钢铁产业为核心，同时多元化经营物流、地产、外贸、酒店、港口、教育、投资等，目前企业总资产450亿元。其它参与组团共建的三家公司正是中天钢铁的上下游企业。

According to the company's official website is introduced,Zhongtian iron and steel group to iron and steel industry as the core,At the same time business diversification logistics/Real estate/Foreign trade/The hotel/port/education/Investment, etc,At present the enterprise total assets of 45 billion yuan.Other participate in group altogether three companies is the culmination of steel and iron downstream enterprise.

　　所谓组团共建，是指银企双方通过统筹，共建党建工作资源。但其背后更多的是一种业务上的合作。据介绍，“江苏银行会有专业客户经理为结对企业提供高端服务；创造条件为结对企业提供“产销链”融资产品；在符合银行准入条件的基础上，在信贷资金和规模上优先解决结对企业的合理资金需求等。”

The so-called group build,Refers to the fact both sides through the plan as a whole,Build a party construction work resources.But behind the more is a kind of business cooperation.According to introducing,"Jiangsu bank will have professional customer manager for the custom of enterprises to provide high-end services;Create conditions for enterprises to provide the custom"Production and marketing chain"Financing products;In accordance with the bank on the basis of the access requirements,In the credit funds on a scale and give priority to the custom of the enterprise reasonable fund demand, etc."

　　就在组团共建协议签署前不久，常宝股份曾发布“关于向银行申请综合授信额度的公告”，同意公司及子公司向江苏银行常州市分行申请综合授信额度，金额不超过2亿元，授信期为一年。

In group build agreement signed recently,ChangBao has issued shares"About applies to the bank for comprehensive line of credit announcement",With the company and subsidiary of jiangsu changzhou branch bank to apply for comprehensive line of credit,The amount is more than 200 million yuan,Credit period for one year.

　　去年底，江苏银行就曾与扬州龙川钢管有限公司等3家民企组团共建，当时被称为“龙川模式”。这三家民企中也有中天钢铁，另外一家为中天钢铁的下游企业南通万达锅炉股份有限公司。

end,Jiangsu bank had and yangzhou longchuan steel pipe co., LTD. Three corporation group build,As it was called at"Longchuan mode".This three corporation also have zenith steel,In addition a culmination of steel and iron downstream enterprise nantong wanda boiler co., LTD.

　　“其实就是打通上下游产业链的金融服务方式，把中天钢铁作为主要环节给予授信，然后间接惠及上下游企业。对于银行来说你的结算、上下游企业的存款等等都到相关提供授信的银行这儿来了，可以很快做高业务量。但如果整个产业链出问题，风险会迅速扩大。”上海一名银行业人士告诉理财周报记者。

"Is actually get through the downstream industry chain financial service mode,The zenith steel as the main link give credit,Then the indirect benefit and downstream enterprise.For a bank for your settlement/Downstream enterprise deposits and so on to provide relevant credit bank in here,Can quickly do high volume.But if the whole industry chain problem,Risk will be expanded rapidly."Shanghai a banking sources told reporters financial weekly.

　　2008年金融危机，通州一家金属材料有限公司资金链紧张，有效资产抵押融资已无法满足经营需求。金融机构也是通过向上游业务关联企业——中天钢铁有限公司授信，签订银企三方合作协议的方式，使这家企业免于破产。

The financial crisis in 2008,Tongzhou a metal materials co., LTD., capital chain tension,Effective equity financing has failed to meet business needs.Financial institutions is through the upstream business affiliated enterprise - transit iron and steel co., LTD., credit,The fact a tripartite cooperation agreement way,Make the enterprise from bankruptcy.

　

　逆市动作 Inverse city action

　　从公开信息来看，江苏银行以往在钢铁、钢贸方面的授信并不多，这次的15亿是继2009年授信沙钢30亿之后，对于钢铁企业授信的最大单，也是第一次给予中天钢铁授信。

From the open information to see,Jiangsu Banks used in the iron and steel/Steel trade aspects of the credit is not much,The 1.5 billion is the 2009 credit shazhousteel after 3 billion,Iron and steel enterprise credit for the biggest single,It is the first time to give zenith steel credit.

　　以往钢材和钢贸商是各大银行争抢的客户，由于业务冲量快，一些中小银行尤其看重钢贸类贷款。但如今钢铁行业陷入困境，不少钢贸企业资金链断裂，使得银行迅速缩减贷款规模。

Previous steel and steel trade business is each big bank for customers,Because the business pulse fast,Some small and medium-sized Banks especially look at trade kind of loan.But now the iron and steel industry get into trouble,Many steel trade enterprise capital chain rupture,Make bank rapidly reduced the size of the loan.

　　据称，工行、建行等一些支行已经暂停钢贸贷款，新客户一律不做，老客户能否做要看具体情况。且目前不接受成品钢材的抵押贷款，钢坯、钢锭等可回炉的原材料除外。今年以来，市场上已很少看到银行给予钢铁企业超过10亿的授信。

it,icbc/The construction bank and so on some branch has suspended steel trade loans,New customers all don't do,And old customers can do want to treat specific condition.And now do not accept finished steel mortgage loans,billet/Steel ingot, except the line of raw materials.Since this year,The market has rarely see the bank to iron and steel enterprises more than 1 billion credit line.

　　至于为何在此时给予中天钢铁授信，如何进行风险把控，以及目前给予钢铁、钢贸企业的贷款标准跟以往有哪些调整？记者致电江苏银行相关部门，对方未予回答。

As for why at this time give zenith steel credit,How to control the risk,And now give iron and steel/Steel trade enterprise loan standard with past what adjustment?Reporters call the jiangsu bank related departments,Fail to answer each other.

　　“是总行层面的一个授信，肯定也有慎重考虑。但也可能只是意向性的一个授信，实际上并没有那么多。”一家上市银行授信评审中心负责人告诉理财周报记者，“在现在这个市场下，还是比较另类的。像我们行现在对钢铁企业这么大的授信基本上是不做了。现在银行对于钢铁、钢贸也是在一个去泡沫化的过程。”

"Is head office levels of a credit,Certainly also have careful consideration.But it may be just intentionality of a credit,In fact there are not that many."A public bank credit evaluation center person in charge told reporters financial weekly,"In this market,Or compare alternative.As we do now in iron and steel enterprise so much credit basically is not done.Now the bank for iron and steel/Steel trade is in a process of frothy."

　　据了解，长三角大部分银行对于钢贸企业贷款到期以后并没有立即叫停，但是对于新增的贷款审核更加严格。部分银行表示整个钢贸企业的授信不会超过5%，钢贸贷款占比在3.5%左右，这个额度不会大幅降低。

It is understood,Long triangle most of the bank for the steel trade enterprise loan after due and not immediately to stop,But for new loan review more strictly.Part of the bank said the whole steel trade enterprise's credit not more than 5%,Steel trade than loans accounted for around 3.5%,This line will not greatly reduced.

　　“银行全面主动缩减还没有，一些钢贸企业自己会缩减一些。以前有不少企业有资金挪用的情况，贷的钱并不是用于主业，对于这种企业要避开，但针对主营业务突出的，做实业的，银行还是会支持的。”上述授信评审中心人士表示。

"Bank comprehensive active reduction is not,Some steel trade enterprise will reduce some.Used to have many enterprises have the funds appropriated situation,Borrow money and not in the business,For this kind of enterprise to avoid,But according to the main business outstanding,Do business,The bank will still support."The above credit evaluation center say.

　　

中天钢铁激 Zenith steel excitation

　　“当前钢铁行业已进入历史最困难的时期之一”，中国钢铁工业协会副会长王晓齐8月30日表示，“实际消费是下降的，不是增速的下降，而是绝对量的下降”。

"The current iron and steel industry has entered the history one of the most difficult period",The China iron and steel industry association, vice chairman of WangXiaoJi on August 30, said,"The actual consumption is falling,Growth is not the decline,But the magnitude of the decline".

　　另一方面，低迷的价格让钢铁行业在7月陷入亏损。王晓齐介绍，算上之前盈利，今年前7月每吨钢利润只有1.68元，比金融危机时每吨钢50元的盈利水平还低。8月的情况没有好转，钢厂亏损面呈扩大趋势。据上市公司半年报数据，钢铁已占十大亏损公司半壁江山，其中鞍钢股份(000898,股吧)今年上半年净亏损19.76亿元。

On the other hand,Low price for iron and steel industry into loss in July.WangXiaoJi introduced,Calculate before on earnings,Before this year July only 1.68 yuan per ton to profit,Financial crisis than 50 yuan per ton of profit level is low.August things don't get better,Steel mills loss hand deliver enlarging trend.According to the listed company half the annual data,Iron and steel have accounted for ten big losses by heavily-accented company,The angang shares(000898,guba)In the first half of this year net loss of 1.976 billion yuan.

　　整个行业产能过剩、下游需求持续不振的大环境在短期内难见好转。而中天钢铁今年的目标是“产销争取突破1000亿，并努力成为全球前20位钢铁巨擘之一。”

The whole industry excess capacity/Downstream demand continues to falter in the short term the environment NaNan see better.And zenith steel this year's goal is"Production and marketing to break through 100 billion,And efforts to become a global one of the top 20 steel giant."

　　据悉。2011年该公司钢产量突破750万吨，累计实现产销620亿元。今年上半年，中天钢铁集团累计完成工业产值286亿元，营业收入326亿元，同比增长15%，至于公司利润未予以公布。

It is reported.In 2011 the company steel output exceed 7.5 million tons,Realized total production and marketing 62 billion yuan.In the first half of this year,Zhongtian iron and steel group has been completed industrial output value is 28.6 billion yuan,Business income is 32.6 billion yuan,Year-on-year growth of 15%,As for the company profit not be published.

　　2009年，国内钢铁行业就已呈现产能过剩局面，就在当年8月，中天钢铁上马新项目，“投资约为120亿元，一期工程占去60亿元，计划在2010年1月投产，以实现中天钢铁2010年年产700万吨钢材的目标，再争取在2011年实现1000万吨的目标。”

In 2009,,Domestic iron and steel industry overcapacity situation is already present,In the August,Zenith steel get on new projects,"Investment about 12 billion yuan,A phase of the project occupies 6 billion yuan,Plan in January 2010 put into production,In order to realize the transit steel in 2010 with an annual capacity of 7 million tons of steel goal,For again in 2011, realize the goal of 10 million tons."

　　今年4月13日，随着南区二期1580平方米高炉点火，中天钢铁朝着它的1000万吨目标又近了一步。

On April 13,,The second phase of 1580 square meters with south side blast furnace ignition,Zenith steel toward its 10 million tons of target and a step closer.

　　但如此大的产能释放难以迅速消化，且需要大量资金的持续支持，用于补充营运资金、购买原材料、偿还银行贷款等。

But such capacity release difficult to quickly digest,And will need a lot of money for support,Used to supplement working capital/Purchase of raw materials/To repay bank loans, etc.

　　有分析师直言，“钢企是资金密集型企业，大部分靠银行贷款建设和维持市场运营。而原本就已资金紧张，产能扩充后，部分钢企需要获得更多的资金支持，由此形成恶性循环。这些钢铁企业应该瘦身，而不是借钱。”“银行借款是缓解资金压力，但在钢铁产能长期不降反增的背景下，部分借款将继续加速产能过剩的局面。”

Analysts to,"Steel enterprises is capital intensive enterprise,Most depend on Banks loan construction and maintain market operation.And originally had financial strain,Capacity expansion after,Part of the steel enterprises need to get more money to support,Thus a vicious cycle.These iron and steel enterprises should thin body,Not to borrow money.""Bank loan is to alleviate the fund pressure,But in the iron and steel production capacity does not fall for a long time against the background of the increase,Part of the money will continue to accelerate the situation of excess capacity."