统一授信仓单质押融资及其风险控制研究.docVIP

PAGE PAGE 1 摘要 近年来，仓单质押业务发展迅速，各家商业银行纷纷寻求合作伙伴开展仓单质押以拓展利润来源；物流企业也活跃起来，积极提供金融服务。但是，随着仓单质押业务的发展，其风险问题也越来越突出。 我国目前的仓单质押业务有四种模式，在业务开展过程中存在着管理风险、信贷风险和法律风险。管理风险的主要承担者是物流企业，它主要表现为质押商品选择风险、客户资信风险、仓单风险、质押物价值评估风险和商品监管风险，因而物流企业应该从这几个方面入手进行风险控制。商业银行作为信贷风险和法律风险的主要承担者，要慎重挑选合作的第三方物流企业，严格审核客户，制定合理的仓单质押率和价格警戒线，有效率的处置质押物，并针对法律不完善的地方，通过合同条款进行补充。 在整个仓单质押业务的风险控制中，质押率的确定是极其关键的，确定合理的质押率不仅需要选择科学的计算方法，还需要设定有效的合理性判断指标。文章在最后将质押率确定单独提出进行了分析，用数据模拟了仓单质押贷款质押率的确定过程。 关键词：仓单质押，信贷风险，法律风险，质押率。 ABSTRACT In recent years, business has developed rapidly pledge of warehouse receipts, commercial banks have pledged to seek partners to warehouse receipts in order to expand the source of profits; logistics companies are active, and to provide financial services. However, with the pledge of warehouse receipts business development, the risk has become increasingly prominent. Pledge of warehouse receipts of the business currently has four models in the business development process there are risk management, credit risk and legal risk. The main bearer of risk management is a logistics company, which pledged selection of products mainly for the risk of customer credit risk, warehouse risk, collateral risk and valuation of goods regulatory risks, and therefore several aspects of the logistics enterprises should start from the risk control . Commercial bank credit risk and legal risk as the main stakeholders, to carefully selected third party logistics cooperation, rigorous examination of customers, warehouse receipts pledged to develop a reasonable rate and price cordon, efficient disposal of the collateral, and not against the law Improvement, complemented by terms of the contract. Pledge of the warehouse receipt in business risk control, the pledge rate determination is crucial to determine a reasonable rate is not only pledge the scientific method to choose, but also need to set effective targets to judge the reasonableness. Finally, the pledge rate article