产成品抵押贷款的案例剖析(国外英语资料).docVIP

产成品抵押贷款的案例剖析(国外英语资料) Case analysis of finished product mortgage loan Wang Zhihua 1 (peoples Bank of China, Heze central sub branch, Shandong, Heze 274027) Abstract: the product of mortgage loans as a form of chattel mortgage, breaking the inventory backlog of products is not suitable for mortgage loans of the traditional concept, played a small and medium-sized enterprise net value, improve the situation of insufficient effective mortgage financing problems of small and medium-sized enterprises, to solve the small and medium-sized enterprises, especially has positive significance of temporary financial difficulties by the economic fluctuation caused by the enterprise. Key words: financial innovation; finished product mortgage; intermediary agency Abstract:As a form of the chattel mortgage, the finished products mortgage has already changed the traditional idea that the overstock was not appropriate for mortgage loan. It fully utilizes the internal credit resources of the SMEs and effectively improves the status of financing for SMEs. Moreover, it provides reference for the temporary shortage of fund caused by economic fluctuation. Key, Words:financial, innovation, finished, products, mortgage, agent CLC number: F832.42, document identification code: B, article number: 1674-2265 (2010) 11-0031-04 I. Introduction In modern economic activities, cash flow plays a key role in the allocation of resources and economic operation, regardless of the expected value of an enterprise is high, once encountered temporary cash flow difficulties may lead to the risk of bankruptcy. For most production and circulation enterprises, the phenomenon of excessive overstock of stock often occurs, especially during the period of unexpected economic fluctuations, which can easily lead to the difficulty of cash flow. And SMEs in the mortgage, lack of guarantees, the plight of the more prominent. Therefore, how to tap the internal resources of small and medium-sized enterprises and make use of