Accounts Receivable Financing Risk And Prevention

As a new financing guarantee method, Accounts receivable pledge is playing a more and more important role in modern economy. With exerting the availability of property, the pledge of account receivables offered the developing medium and small enterprises a convenient means of financing, which is in favor of resolving the financing troubles. To promote the financial institution innovation has positive significance. However, in our country, the pledge of accounts receivable only makes the first step, and it has a great deal of shortages and in dire need of improvement. The commercial banks operate the pledge of accounts receivable financing business will face many realities and potential risks. Accounts receivable pledge financing will face what risks, how will the pledge stakeholders operate the pledge of accounts receivable financing business, and what measures will be taken to avoid the risk? This thesis made answers.Apart from the preface and epilogue, the thesis consists of three chapters, mainly discussing the conception and characteristics of accounts receivable and pledge of accounts receivable, the risks the pledge of accounts receivable in law and in practice, the advice and the method of preventing these risks. The first chapter is about the general of accounts receivable in law, and listing the forms of account receivable, analyzing the nature of the toll rights. The author insists that the quality of toll rights is future collective accounts receivable, and discussing the conditions what the pledge accounts receivable must satisfied. The second chapter is about fully analysis of the risks of pledge of accounts receivable both in law and in practice. This chapter displays many kinds of risks which may appear in pledge of accounts receivable form the view of commercial bank. How to prevent and get rid of these risks is the key factor in stipulating the legal system of accounts receivable. The third chapter is about the advice and the methods of preventing these risks. The advice includes improving laws and regulations, constructing of the registration systems which can embody high efficiency, strengthening pre-loan and post-lending management. To construct a comprehensive, integrated protective of the pledge accounts receivable. Hoping that it can be helpful to the development of pledge of accounts receivable, and safeguard the lawful rights and interests of the pledge stakeholders.