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为进一步促进中小企业发展,解决中小企业融资难的问题,国家相继出台了诸多政策给予支持,其中重点提出鼓励商业银行创新业务品种,扩大担保范围和融资模式,以更加有效的方式解决中小企业实际困难。在这种情况下,以动产质押为特色的贷款业务应运而生,不少商业银行开始陆续抢占这块市场。从实际产生的效果来看,虽然解决了部分中小企业融资难的问题,也给银行带来了可观的经济效益和良好的社会口碑,但在具体的操作和管理过程中,仍存在较大的风险。笔者通过对动产质押贷款中的风险进行分析,从银行角度出发,提出应对风险的措施及建议,以提高风险管控能力。
In order to further promote the development of SMEs and solve the financing difficulties of SMEs, the government has promulgated many policies to support it. Among them, it is proposed to encourage commercial banks to innovate their business varieties, expand the scope of guarantee and financing models, and solve the problems of SMEs in a more effective way difficult. Under such circumstances, the loan business characterized by chattel pledges came into being, and many commercial banks began to gradually occupy this market. In view of the actual effect, although some SMEs have solved the problem of financing difficulties and brought considerable economic benefits and good social reputation to the banks, in the specific operation and management process, there still exists a large risk. Through the analysis of the risks in the movable property pledged loans, the author puts forward the measures and suggestions to deal with the risks from the perspective of the bank so as to enhance the risk control ability.