我国钢材市场融资模式风险特征与应对策略

投资、消费、出口合称为拉动我国经济增长的三驾马车，在促进经济增长中一直发挥着极为重要作用，尤其是美国次贷危机发生以来，中国政府为了刺激经济的快速复苏，进一步加大了固定资产投资的力度。钢材作为基本投资建设主要的原材料。相配套的钢贸行业发展就显得更为突出。其中的以有形钢材交易市场为主体的供销模式以几何速度在全国各地得以复制。钢材交易市场一方面促进我国钢铁行业的繁荣，为基本建设投资提供了必须的原材料．另一方面，由于这种融资模式具有链条式放大风险的先天性缺陷，一旦出现风险，便会严重危害金融安全。从已经发生的钢材交易市场的金融危机来分析．其融资模式带有先天性的不足，如果不加以防范，极易形成全国性的金融系统风险。因此．针对当前钢材市场质押、互保联保、担保公司担保及“准金融”四种融资模式，深入揭示其风险特征．根据我国现行的商业银行管理手段．构建防范系统性金融风险、化解个体钢材市场危机是当前保持商业银行健康、稳步发展的重要措施。

Countermeasures and Characters of Fund Raising Mode to Steel Market in China

As three important factors to push economic growth in China, investment, consumption and export play essential part in pushing economic growth, especially after sub-prime mortgage crisis having broken out in America. In order to recover the recession of economy as soon as possible, Chinese government has strengthened to enlarge the investment on capital estate. Steel, as the raw material of basic investment construction, it is important to develop relative steel trade. The supply and sell mode based on visible steel trade market has been spreading geometrically over the country. On one hand, steel trade market stimulate our steel industry, providing the necessary material for basic construction, on the other hand, due to deficiency from the beginning that the mode could increase the risk, once risk appears, it will hazard financial security seriously. Analyzing from financial crisis happened in steel trade market, if the mode＇s insufficiency could not be prevented, it is easy to risk the national financial system. Therefore, aiming at the four fund-raising modes including pledge mortgage, mutual guarantee, joint guaranty and associate financial, the article reveals the risk characters deeply. According to the current management measures in business bank of China, it is an important measure for healthy and steady development of business bank to construct defense system against financial risk and reduce risks in industrial steel market.