商业银行仓单押贷款研究.docVIP

内容摘要 动产质押在金融领域的风险由来已久，仓单质押贷款作为金融与物流合作的 具体项目，既有利于缓解企业生产经营过程中流动资金紧缺的问题，又有利于商 业银行和第三方物流企业拓展业务范围。在国际上，仓单质押贷款被大量运用在 钢铁产品、化纤纺织品、天然橡胶、砂糖、木材、化工原料、矿产品、机械成套 设备、水泥、汽车、一般性的畜产品上；在国内，仓单质押贷款被视为金融与物 流合作的一种金融创新产品逐步得到推广，在其市场运作过程中，既有成功的经 验，也存在较大的风险。因此，仓单及仓单质押贷款的研究在国内亟待加强，其内 涵和外延尚待进一步探讨和丰富。由于仓单以及仓单质押贷款的特殊性，以及对 商业银行的重要意义，与仓单质押相关联的流程设计、风险识别以及防范是目前 商业银行仓单质押贷款研究的重点，它可在以从特定角度解释仓单质押贷款的金 融实质，并为其市场运作的风险防范提供思路。在理论分析上，新制度经济学、 交易费用经济学、信息经济学以及自偿性贸易融资理论和信誉联盟理论等，对仓 单以及仓单质押贷款进行深入分析，给出较为坚实的理论基础；在方法论上，主 要运用理论分析和演绎推理的方法加以论证，通过对国内外相关资料加以梳理， 给出较为清晰的研究思路；在创新上，分析了商业银行面对的仓单以及仓单市场 的性质、仓单质押贷款的流程设计以及风险防范、仓单质押贷款的市场实现等， 力求较为全面系统地给出仓单质押贷款的解决方案。 1 关键词：仓单质押贷款；风险防范；市场实现。 Abstract Pledge risk is long standing in the finance field. Warehouse receipts credit as specific cooperation between finance and logistics not only are in favor of relieving the shortage of current funds, but also are good for business development of commercial bank. In the world, warehouse receipts credit has been applied to steel products, chemical fiber and textile, crude rubber, granulated sugar, lumber, chemical raw materials, minerals，complete machine equipment，cement, automobile, and normal livestock product; at home, warehouse receipts credit has been considered as a kind of new financial innovative product in the cooperation of finance and logistics and has been popularized gradually. During the market operation, it faces both with success and venture. Therefore, study on warehouse receipts system should be reinforced in China，whose connotation and extension need to go further into exploration and richness. In view of the characteristic of warehouse receipts warehouse receipts credit that means much to the commercial bank，its relevant flow design, risk operation and risk prevention are being studied especially. The finance substance of warehouse receipts credit can be explained in special terms, which provides a method for risk prevention during the market operation. In the theoretical analysis, new institutional economies，transaction cost