Discussion On The Optimization Of Z Bank Accounts Receivable Pledge Financing

The pledge financing of accounts receivable is an important financing way for commercial banks to credit business in industrial and commercial enterprises.With the increasing volume of accounts receivable financing of commercial banks,the variety of products have been continuously expanding.The accounts receivable financing business brings huge profits to commercial banks,and the financing risks are increasing.Therefore,how to optimize the pledge of accounts receivable business for the commercial banks has become the topic of concern to the community.This paper first introduces the background and significance of the research and briefly lists the domestic and foreign scholars on the commercial bank accounts receivable pledge financing business research results.Secondly,it analyzes the background of the commercial bank’s accounts receivable financing business,and briefly introduces the financing mode and characteristics of the receivables of commercial banks.This paper briefly introduces the conditions and business process of pledge financing of bank accounts receivable in Z bank and analyzes the operation situation,industry status and financial status of M company by taking the pledge financing of accounts receivable of M company as the case.Found that the receivables in the pledge financing business,there is a poor quality of the debt service,Z Bank’s own evaluation system lacks a certain degree of rationality and continued supervision and management after the loan is not in place and other issues,thus affecting the operational efficiency of the business.Finally,from the pre-loan risk investigation and loan-back visit management,the Z bank accounts receivable pledge financing business optimization proposals.This paper analyzes the specific cases of the pledge financing of the company’s accounts receivable by Z Bank,in order to understand the business operation status and the existing problems more accurately and accurately.It optimizes the credit evaluation system of the pledge financing of the receivables and improves the credit evaluation index,so that expect a more objective judgment of the risk of pledged loans of accounts receivable,which is of great significance for Z bank to carry out the pledge loan business of accounts receivable in the future.