商业银行动产浮动抵押贷款之创新——基于金融仓储的视角  

Studying the Chattel Floating Charge Loan of Commercial Bank——Researching from the perspective of financial warehousing

作　　者：吴金旺[1] 郭福春[1] 

机构地区：[1]浙江金融职业学院,杭州310018

出　　处：《学术交流》2013年第1期137-140,共4页Academic Exchange

基　　金：浙江省教育厅2012年度科研项目"浙江商业银行动产质押贷款业务创新研究--基于金融仓储的视角";(Y201224517);浙江省高职教育研究会项目(YB1149);2012年浙江省社科联社科普及项目(12ND29)

摘　　要：随着科技进步,部分动产价值日益提升,在财产由归属权到使用权转移的趋势下,2007年我国《物权法》引入动产浮动抵押制度,可以以现有的以及将有的动产作为抵押,抵押后抵押人对抵押物仍享有经营处分权,实现物尽其用,开辟了中小企业动产融资新渠道。但是由于动产浮动抵押的特殊性,商业银行开展此项业务的积极性并不高,市场份额有限。应把创新性引入到金融仓储,探析动产浮动抵押贷款业务模式创新,运用SWOT分析金融仓储对商业银行浮动抵押贷款经营管理的影响,最后以商业银行为主体,提出防范信用风险、操作风险以及法律风险的对策建议。With the advance of technology, value of a part of chattel is gradually increasing. Under the transferring of propertyg ownership to usufruct, chattel floating charge system was introduced in our Property Law issued in 2007, which stipulated that existing or future personalty could be mortgaged and the mortgager enjoyed the operation right. It paved the new way for small- and middle-enterprises to raise funds. However, due to the specific character of chattel floating charge, commercial banks showed less enthusiasm for the business and limited its market share. The author suggested creativity ought to be brought into financial warehousing and studied new models for loan selvices of chattel floating charge. By means of SWOT, the impact of financial warehousing was analyzed upon the management of chattel floating charge. And commercial banks should prevent as the major part against credit risk, operation risk and risk in law.

关 键 词：动产 浮动抵押 金融仓储 

分 类 号：F830.33[经济管理—金融学]