随着国内钢贸融资市场的发展与健全，为满足钢贸企业资金需求并使钢贸企业的融资成本下降，商业银行开始引入关系型融资的概念对长期合作的钢贸企业授信业务进行管理。但是由于我国对关系型融资的研究起步较晚，商业银行并没有针对关系型融资出台相应的管理办法，仍沿用一般融资业务的处理办法，并给以钢贸企业适当的优惠。这种管理办法并没有约束关系型融资的主观性，因此会在融资过程中产生诸多弊端。
本文通过对钢贸企业融资过程中实际发生的案例进行分析，浅析商业银行与钢贸企业关系型融资中出的各环节，包括钢贸企业融资业务流程简述、关系型融资中的银企博弈以及钢贸企业关系型融资受客观因素变化所受到的影响。并浅析商业银行与钢贸企业关系型融资中钢铁企业和商业银行双方承担的风险，并提出相关的改进方案。
关键词：关系型融资；银企博弈；贷后管理
Abstract
With the development of the domestic steel trade financing market, to meet the financing needs of the steel trade enterprises and reduce the financing cost of the steel trade enterprises, the management of commercial banks began to introduce the concept of relationship financing for long-term cooperation in the steel trade enterprise credit business. But due to our relationship financing research started late, and commercial banks not for the relationship financing the introduction of appropriate management practices, only apply the general financing business management approach, and give appropriate preferential steel trade enterprises.
Based on the actual financing process of the steel trade enterprises in the case analysis, the link analysis of the commercial banks and steel trade enterprises relationship financing, including the financing process of steel trade enterprises, banking game relationship financing and the impact of the steel trade enterprises relational financing by objective factors change by risk analysis of commercial banks. And with the steel trade enterprises relationship financing to produce, and put forward the relevant improvement measures.
Keyword: Relationship financing; Bank Game; Management After loan
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