Our Country Ordinary Warehouse Receipt Pledge Loan Business Process And Risk Analysis

Along with the continuous improvement of the logistics services and development, the financing needs of small and medium-sized enterprises continuously increased, as a new type of supply chain finance business model--warehouse receipt pledge loan business, because it can satisfy a multi-stakeholder demand, gradually be small and medium enterprises as well as commercial Banks to the universal attention, but in practice there is still a lot of risk problem needs further research and solve.This paper first introduced the warehouse receipt and stack single, standard warehouse receipt and ordinary warehouse receipt, warehouse receipt pledge loan business, mortgage and pledge loan and related concepts, in these concepts described in detail in the nature of the warehouse receipt and related laws and regulations in the warehouse receipt to pledge loan business use classical theory were explained, including the information asymmetry theory, self-liquidating sex trade financing theory and credit union theory, after writing for the provide certain theoretical analysis source, the business development in China this paper introduces the present situation; Second in China warehouse receipt pledge loan business actual operation process carried on the detailed classification is introduced, including the general warehouse receipt pledge loan, different regulation of the warehouse warehouse receipt pledge loan to purchase goods and the warehouse receipt pledge loan, and these business process characteristics and the risk of existing link analysis; Through the link to risk again find the risk analysis, divided into credit risk and a single risk, credit risk including the borrower's credit and credit index the risk of failure, a single risk including bank business operation risk, the risk of pledge goods, warehouse receipt risk, data information and relevant legal risk low risk, and carried on the detailed study shows that, and then carry out long logistics group car warehouse receipt of the actual business pledge loan cases and illustrated for risk problem study provides real basis; Finally, according to the risk, using three party game model, this paper puts forward some feasible countermeasures, logical, credit risk the countermeasure analysis including strict censorship borrowers credit conditions, standardized operation, and strengthen the management, the single risk the countermeasure analysis including reasonable choice of the third party logistics enterprise, prudent choice, strengthening the management of the warehouse receipt pledge goods and the pledge supervision, reasonable price and analyzes loan-to-value ratio, warehouse receipt pledge set up many share information network platform, etc.