Risk Analysis Of Warehouse Receipts Pledge With Hedging For Financing Of Industrial Bank

In the operation of warehouse receipt pledge with hedging for financing of Industrial Bank, the entity enterprise, futures companies, banks form a "trinity" is a combination of business model. In the current, it has strong feasibility. Industrial Bank use the platform and advantages of risk management into the business of warehouse receipt pledge with hedging for financing, it join the hedging function to fixed value for the subject matter of the warehouse receipt from industry clients, on the one hand, it improve the bank on the financing of the enterprise credit and the loan-to-value ratio, on the other hand, it also enhanced the safety of Banks to lend money, improving the enthusiasm of Banks and small-medium-sized enterprises to join warehouse receipt pledge.This article mainly analysis the risk prevention of warehouse receipt pledge with hedging for financing business by introducing the process. This business put the warehouse receipt pledge financing and hedging function together, the operation is more complicated. I analysis and research through the general and special risks of warehouse receipt pledge with hedging for financing business, then put forward four tips including business itself risk control, dynamic risk management system of bank, the internal risk control system, customer service process. In addition, the bank control the warehouse receipt to the ownership of the subject matter and the evaluation on the value of the mortgaged property and mortgage rates also become the two most important links in the specific risk control of the warehouse receipt pledge with hedging for financing businesses. In this paper, I also carried on the thorough analysis on the factors of influencing the risk, making the risk control system construction more comprehensive. Effective risk control is not only support on bank credit financing business innovation, but also push the benign development of bank credit financing business.