金融仓储对商业银行动产质押贷款信用风险控制的影响  

Financial Storage's Effect to Chattel Pledge Loan of Commercial Bank Credit Risk Control

作　　者：吴金旺[1] 

机构地区：[1]浙江金融职业学院,浙江杭州310018

出　　处：《金融教育研究》2013年第2期59-63,共5页Research of Finance and Education

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2011年立项课题"基于创新型高技能人才培养的核心课程开发--以<金融仓储概论>为例"(YB1149);2012年浙江省社科联社科普及课题(12ND29)

摘　　要：金融仓储专门为金融机构信贷与中小企业融资提供动产仓储监管服务,搭建银行和中小企业的桥梁,近几年我国金融仓储业规模迅速扩张,一个新的产业正在逐步形成。文章在探讨金融仓储优势的基础上,论证了金融仓储对商业银行信贷风险控制的影响,并从中小企业的选择、融资企业的选择、质押物的选择和质押物价值波动风险控制四个方面提出银行强化信用风险控制的对策。Financial warehouses provide movable storages＇ regulation service for financial insititution credit and small and medium enterprises financing and build the bridge between them.The scale of finance-ware housing in China rapidly expands in recent years and a new industry is gradually formed.On the basis of exploring the advantages of financial warehouses,this article demonstrates financial warehouse impact on commercial bank credit risk control and put forwards the countermeasures to strengthen credit risk controls from four aspects：small enterprises＇ choices,the choice of financing enterprises,the collateral＇s selection and its value of the pledge of volatility risk.

关 键 词：金融仓储 动产质押 风险控制 

分 类 号：F830.33[经济管理—金融学]