仓单质押贷款业务发展的操作方案与风险控制研究.doc

仓单质押贷款业务发展的操作方案与风险控制研究
Study of Operation Scheme and Risk Controling of Lending Business Pledged by Warehouse Receipts
张凯1 张凯(1966-),男,湖南华容人,工学博士研究生。
董千里
Zhang Kai Dong Qian Li
(长安大学,经济与管理学院,陕西西安 710061)
(Changan University Xi’an 710061,china )
摘要:通过对仓单质押业务发展状况的总结和对其潜在风险的因素分析,从促进业务发展和防范风险的角度,对我国仓单质押业务的操作方案和风险控制进行了研究。根据图形分解法和逻辑分析法,总结出了两种仓单质押业务的操作方案,提出了防范业务风险的具体措施。分析结果表明,仓单质押能够实现多方共赢,标准化的业务操作方案能够控制风险。
Abstract: By summarizing the development of lone pledged by warehouse receipts and carrying out factors analysis on its underlying risk, from the perspective of promoting business development and preventing risk, analyze the operation scheme and risk controlling of lone pledged by warehouse receipts in our country. Based on plot posing and logic analysis method, summarize two kinds of operation schemes of lone pledged by warehouse receipts and bring forwards the particular measure of preventing business risk. Conclusion shows that lone pledged by warehouse receipts can benefit every participator and standard business operation schemes can control risk.
关键词:仓单质押贷款;发展状况;操作方案;风险控制
Key words: Lending Business Pledged by Warehouse Receipts; Development; Operation Schemes; Risk Controlling
1 引言
仓单质押融资在我国出现的时间不长,但是,由于受到企业界、金融界的青睐,使得这一新生事物在实践中得到了较快的发展。仓单质押融资业务的雏形是货物或动产质押,质押单位将货物或动产存入仓库,仓库验收后形成仓单给银行,银行将相当于货物价值45-63%的现金(或银行承兑汇票)发放给质押单位。受到风险问题的困扰,部分银行开始选择有信誉的仓储企业进行合作,由仓储企业对质押单位货