浅析商业银行动产质押的风险及监管

发布时间：2018-01-31 13:34

本文关键词： 商业银行动产质押风险监管　出处：《复旦大学》2013年硕士论文　论文类型：学位论文

【摘要】：动产质押在金融领域普遍被使用,但是伴随的风险由来已久,在高风险带来高收益的同时承担着金融企业的固有高风险,商业银行作为经营“信用”的高风险企业,通常需要采用各种有效方式来规避风险,动产的质押监管就是其中的主要形式之一。但是商业银行并没有物流经营资质并且缺乏对动产管理的经验,于是委托物流公司对动产进行监管,有效分散动产质押风险。其次,由于宏观经济政策及房地产调控等政策的实施,经济过快发展的模式得以迟缓,中小企业的资金链一定程度被中断了,商业银行的动产质押监管由于中小企业资金链问题风险加大,商业银行的一些协会组织和物流监管公司对于彼此的责任分担也存在着巨大的分歧。本文正是结合了以上的背景,分析了商业银行动产质押的风险来源,包括银行的金融风险,动产质押的风险,物流企业第三方的监管风险。在物流企业作为监管方接受银行的委托之后,通过借款企业,银行、仓储企业、监管企业四方的角色分析,并且分析了仓储企业及监管企业责任的区分,明晰了监管责任。在分析了风险的构成之后,通过银行的成功质押融资案例分析成功的原因,并且提出了一些如何减弱风险的措施。
[Abstract]:Chattel pledge is widely used in the field of finance, but the accompanying risks have a long history, and bear the inherent high risk of the financial enterprises while the high risks bring high returns. Commercial banks as a "credit" high-risk enterprises, usually need to use a variety of effective ways to avoid risk. Pledge supervision of movable property is one of the main forms, but commercial banks do not have logistics management qualification and lack of experience in the management of movable property, so they entrust logistics companies to supervise chattel. Effectively disperse the risk of pledge of movable property. Secondly, because of the implementation of macroeconomic policy and real estate regulation and control policies, the mode of rapid economic development has been delayed, and the financial chain of small and medium-sized enterprises has been interrupted to a certain extent. Due to the risk of capital chain problem of small and medium-sized enterprises in the supervision of chattel pledge of commercial banks, there are great differences between some association organizations of commercial banks and logistics supervision companies on the sharing of responsibilities between them. This article combines the above background, analyzes the commercial bank chattel pledge risk source, including the bank financial risk, chattel pledge risk. Third party supervision risk of logistics enterprise. After the logistics enterprise as the supervisor accepts the bank's entrustment, through the loan enterprise, the bank, the warehousing enterprise, the supervision enterprise's role analysis. And analyzed the warehouse enterprise and the supervision enterprise responsibility distinction, has clarified the supervision responsibility. After analyzing the composition of risk, the paper analyzes the reasons of success through the case of bank's successful pledge financing, and puts forward some measures to reduce the risk.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D923.2

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