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当前,典当业呈现蓬勃发展的趋势。典当作为较方便的一种融资工具,也越来越得到金融界的关注。尤其是,典当业在缓解中小企业融资难、促进其发展等方面发挥了积极的作用。但是,我国的典当企业一般是中小企业,而且典当只是企业众多业务中的一个,甚至不能算是主体业务。截至目前,全国以典当为主营业务的上市公司还屈指可数。并且在典当企业的经营方面还存在很多问题。究其根本原因,是对典当业务风险的认识不足和管理不力。可以说,典当行业在风险管控和规避方面还是比较薄弱的,需要向银行等行业学习。
Currently, the pawn industry has shown a trend of vigorous development. Pawn as a more convenient financing tool, but also increasingly get the financial community’s attention. In particular, the pawn industry has played a positive role in alleviating the financing difficulties of SMEs and promoting their development. However, the pawn enterprises in our country are usually small and medium enterprises, and the pawn is only one of the many businesses of the enterprise, and can not even be regarded as the main business. Up to now, there are a few listed companies in the country that mainly deal in pawn. And pawn business management there are still many problems. The fundamental reason is the lack of understanding of the business risk of pawn and poor management. It can be said that the pawn industry in terms of risk control and avoidance is still relatively weak, need to learn from banks and other industries.