摘要
商品融资是以商品质押为担保方式的一种短期融资业务,商品融资能够有效地盘活借款企业的存货,帮助解决企业的资金融通问题,近年来在国内取得了蓬勃发展。但由于商品本身处于一种动态流转的经营过程,在转移交付、质物监管、滚动质押、物权竞合等方面必然会给商业银行的信贷资产安全带来一些不利的影响,从而可能产生纠纷。因此,本文着重探讨商品融资业务中的质押风险,并从立法层面和实务操作层面提出应对措施,以期对我国商品融资业务的实践有所裨益。
Commodities-based finance refers to a kind of short-term credit which is based on stockpile, stock-in-trade or commodities traded in exchange （such as oil, metals or grain, etc）. This short-term financing business is experiencing rapid boom in domestic commercial bank in recent years However, commodities-based finance may have certain negative im- pacts on the security of credit assets of the commercial bank in several ways since the commodities are involved in a dy- namic operating process, which may lead to legal disputes. Thus, this article analyses the mortagage risk in the commodi- ties finance business, and seeks to propose pertinently preventing advices on mortagage risk from the operating level and legislating level.
出处
《海南金融》
2011年第7期29-32,40,共5页
Hainan Finance
关键词
商品融资
质押
风险
Commodities finance
Mortagage
Risk
