典当公司风险控制研究  

Research on the Risk Control of Pawn Companies

作　　者：杨毅[1] YANG Yi

机构地区：[1]郑州升达经贸管理学院金融贸易学院

出　　处：《经济论坛》2018年第8期55-58,共4页Economic Forum

摘　　要：典当公司主要以中小企业和居民为服务对象。通过典当业务的办理,满足当户在生产、经营或生活方面对资金的迫切需求。典当公司凭借特殊的金融服务功能,成为整个社会经济体系中不可或缺的一部分,对社会经济发展发挥着重要作用。文章对我国典当公司可能面临的风险进行了全面剖析,将其存在的主要风险分为资金风险、投资风险、信用风险、机制风险、操作风险和法律风险,并提出加强风险控制的有效对策,帮助典当公司和典当行业实现健康发展。Pawn companies mainly serve the small and medium-sized enterprises and residents.Through the transaction of pawn business,pawn companies meet the customer＇s urgent need for capital in production,business or life.As an indispensable part of the whole social economic system,the pawn companies play an important role in social and economic development.This paper makes a comprehensive analysis of the risks of pawn companies in China,argues that the main risks of pawn include fund risk,investment risk,credit risk,mechanism risk,operation risk and legal risk,puts forward the effective measures to strengthen the risk control,and helps the pawn companies and pawn industry to realize healthy development.

关 键 词：典当 投资风险 机制风险 风险控制 

分 类 号：F832.39[经济管理—金融学]