园林绿化企业苗木资产质押贷款风险与控制探讨

发布时间：2018-05-23 19:03

本文选题：园林绿化 + 苗木资产　；参考：《西南财经大学》2013年硕士论文

【摘要】：在国家“十二五”规划提出“建设环境友好型社会”和“深入贯彻保护环境基本国策”的重大战略背景下,园林绿化行业迎来了新的发展期。园林绿化企业苗木资产质押贷款给商业银行和园林绿化企业都带来了新的机遇,但是因为银行和企业双方存在的种种原因,目前苗木资产质押贷款还难以开展。由于专门针对苗木资产的质押贷款研究得比较少,苗木资产归属于动产和存货分类,因此笔者通过对动产质押贷款和存货质押贷款的成果研究,总结了研究文献中的优秀成果,也从中发现了值得苗木资产质押贷款研究借鉴的经验和进一步探讨的课题。笔者通过对园林绿化行业融资情况的分析,特别是银行对风险控制的要求,着重分析了苗木资产质押贷款中存在的四个方面风险,即操作性风险、估值风险、监管风险和变现风险。并对造成这些风险的原因进行了细致分析,针对这些问题及原因提出了风险控制的措施和建议。针对苗木资产的操作风险,提出了及时完善苗木资产贷款管理办法和实施细则以防范操作风险。针对估值风险,具有一定创新意义地提出：苗木资产评估中的制度性缺陷是苗木资产缺乏一套完整的标准体系以及缺乏公开交易市场,提出及时建立标准体系和多种渠道建立公开交易市场的建议,并提出从评估公司、评估方法和评估价格三方面控制估值风险的措施。针对监管风险,提出了在第三方监管、银行监管和银行贷后管理服务外包三种监管模式下的风险控制措施。针对变现风险,提出通过加强资产事前押品管理防范变现的前期风险,通过拍卖公司和行业协会做好变现预案,在拍卖过程中规范操作防范变现过程中的风险。笔者希望能够通过对园林绿化企业苗木资产质押贷款风险与控制的探讨,为解决园林绿化企业融资难的问题,同时为银行信贷市场拓展新的业务空间,寻找一种有效的途径和方法。
[Abstract]:Under the background of "building an environment-friendly society" and "carrying out the basic national policy of protecting the environment", the landscape greening industry has ushered in a new development period. The loan of nursery stock assets pledge for landscaping enterprises has brought new opportunities to commercial banks and landscaping enterprises. However, because of the existence of both banks and enterprises, it is still difficult to carry out the loan of nursery stock assets pledge at present. Because of the lack of research on pledge loan for seedling assets, which belongs to the classification of movable property and inventory, the author summarizes the outstanding results in the research literature through the research on the achievements of pledge loan and inventory mortgage loan. It also finds the experience and further research topics worth studying on the loan of seedling asset pledge. Based on the analysis of the financing situation of landscaping industry, especially the requirements of banks for risk control, the author focuses on the analysis of four aspects of risks, namely operational risk and valuation risk, which exist in the loan of nursery stock asset pledge. Regulatory risk and liquidity risk. The causes of these risks are analyzed in detail, and the measures and suggestions for risk control are put forward. Aiming at the operational risk of seedling assets, this paper puts forward the timely improvement of loan management methods and implementation rules of seedling assets in order to guard against operational risks. According to the risk of valuation, it is suggested that the institutional defects in the evaluation of nursery stock assets are the lack of a complete standard system and the lack of open trading market. The paper puts forward the suggestion of establishing the standard system and various channels to establish the open market in time, and puts forward the measures to control the valuation risk from three aspects: the evaluation company, the evaluation method and the evaluation price. Aiming at the supervision risk, the paper puts forward the risk control measures under the three supervision modes: third party supervision, bank supervision and bank loan management service outsourcing. In view of the realization risk, this paper puts forward to prevent the early risk of realisation by strengthening the management of the assets' prior charge, and through the auction company and the trade association to make a good liquidation plan, and to standardize the operation during the auction to prevent the risk in the process of realisation. The author hopes that through the discussion of the risk and control of the loan of the nursery stock pledge of the landscaping enterprise, in order to solve the problem of the financing difficulty of the landscaping enterprise, and at the same time to expand the new business space for the bank credit market, To find an effective way and method.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F326.2

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