Risk Control Research On Commercial Banks Grain Warehouse Receipt Pledge Business

In recent years， the state continually carries out policies to pro mote thec h i n a’s g r a i n i n d u s t r i a l i z a t i o n， but the comme rcial banks in operationoften＂ want to borrow but a fraid to borrow＂，t he main r eason is that thes mall and medium-sized food industries are too scattered and exist creditrisk． But as a new financial business， grain warehouse receipt pledgebusiness can solve the difficult problem that many s mall andmedium-s ized food enterprise’s loan and expa nd the business scope ofbank’s loan． By i ntroducing the third party logistics enterprise as ami ddle ma n in grain warehous e receipt pledge business， it is effective toavoid the risk that the comme rcial bank loan．In this paper, starting from t he perspective of commercial banks，after briefly introducing the topic background and research significance，domestic and foreign research present situation， the related overview ofgrain war ehouse re ceipt pledge busine ss， it emphatically focused on theproble ms that exist on commercial banks the grain warehouse receiptpledge business loans， and put for ward the risk countermeasures tocontrol them．By introducing the actual case on the grain warehouse receipt pledgebusiness of mi nsheng bank to a wheat’s limited company， it analyzed andelaborated the concrete operation process of commercial banks in ris kcontrol．The paper pays attention to adopt qualitative analysis and combine swith concrete case analysis．It has a great guiding signific ance in definingthe loan-to-value ratio for further quantitative analysis， and has a ve r ygood prac tical significance about risk control proble m on commercialbanks grain warehouse receipt pledge business in the futur e．...