The Problems And Countermeasures Research Of The Commercial Bank Warehouse Receipt Pawns Loan Business

The warehouse receipt pawn is an extended business which is extended from the traditional storage and transport to modern physical distribution development, simultaneously; it is also regarded as one kind of financial product. The warehouse receipt pawns is quite suitable for our country present market situation such as enterprise financing difficulty, the bank to making loans difficulty, it can solve the contradictions between the banks and enterprises well. It takes the warehousing enterprise as the third party guarantor, has dodged the financial risk effectively, may in quite long period of time, and solves the unperfected problems that exist in our country present credit system. Therefore, it has the important meaning that this article chooses the problems of the commercial bank warehouse receipt pawns loan business the question to research.This article embarks from commercial bank's realistic situation, after introduces briefly the concept, the theory rest on, the background and the development present situation of the warehouse receipt pawns, elaborates the problems of the warehouse receipt to pawn which emphatically in the loan business appeared, for example, how to choose the pawn commodity, how to determine the customer credit, how to standard the warehouse receipt, how to appraise the price value of pawn and how to supervise the commodity, simultaneously it proposes the solutions to the problems. And draws support from the Construction Bank to elaborate the risk control step in detail to the yt Car company's actual case analysis. In the problems of the entire warehouse receipt pawns business, the pawning rate determination is extremely the key, when we determines the reasonable pawns rate, it not only needs to choose the science computational method, but also needs to establish the effective rational judgment target. The paper uses the BP neural network model to analyze the fluctuation situation of the metal aluminum price index, obtains the computation model of the warehouse receipt pawn rate. This model is a quantification model; it may accurately limit the pawning rate.This article pays great attention the quantitative investigation, unifies with the example, has the very good guiding sense to the development of the warehouse receipt pawns loan business, also will provide help for this business's risk control work in the theory and the practice in the future.