存货质押的难点突破 聊城案例.docVIP

案例研究 存货质押的难点与突破：聊城案例 张维建 王 兵1 （中国人民银行聊城市中心支行，山东 聊城 252000） 摘 要：动产质押对于解决中小企业融资难、推动金融创新、改善融资担保结构、提高商业银行竞争力都产生了深刻的影响。本文以华夏银行聊城支行为例，分析了开展存货质押贷款所需要满足的基础和条件，以期为基层银行开展动产质押贷款提供借鉴。 关键词：融资制度；中小企业；存货质押 Abstract：Chattel mortgage has profound impact on solving the financing difficulties of SMEs，motivating the financial innovation，improving financing guarantee structure and commercial banks competitiveness. Choosing Huaxia Bank Liaocheng branch as an example, this article analyzes the basis and conditions of stock collateral loans，in the purpose of providing references for basic banks to manage chattel