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Commercial Bank Credit Business Of The Accounts Receivable Pledge Financing

Posted on:2014-01-27Degree:MasterType:Thesis
Country:ChinaCandidate:X HanFull Text:PDF
GTID:2246330395993871Subject:Law
Abstract/Summary:PDF Full Text Request
Along with our country the rapid development of marketeconomy and legal system, the financial system of continuousimprovement, commercial credit becoming more popular, and moreimportant position. Facing the international environment ofthe financial crisis and China’s enterprise transformationneeds, enterprises need a lot of money to fund turnover.Enterprise in daily production management and markettransaction produced a large number of accounts receivable,accounts receivable as a guarantee for financing, is theinternational enterprise receivables to solve problems, theimportant way to accounts receivable scientific management andeffective use of the important innovation and exploration,China is the place to be for reference. Accounts receivable inreal life there are many to accounts receivable as collateralcan play the financing, the acceleration of the important roleof funds flow. In addition, accounts receivable is a special liquid asset of the enterprise, which can help the enterprisesto improve the financial situation, and improve the liquidity.In the property law implementation, for accounts receivablepledge provides a legal basis in China, open a new chapter ofaccounts receivable financing guarantee. Speaking of theenterprise, allowing the accounts receivable pledge not onlycan effectively activate precipitation capital, but also cansolve the problem of financing guarantee; For Banks, becauseour country is current social credit is bad, there areassessment and control business risk problems.The first chapter of this article from accounts receivableabout, first from home and abroad in the legal definition, whichalso talked about the meaning of the accounting, distinguishthe accounts receivable from the creditor’s rights and creditrelations and produce the creditor’s rights. After that, thispaper discusses the main accounts receivable pledgeconnotation, and commercial Banks of factoring and accountsreceivable pledge business distinguish comparison, a detailed analysis of the two different, and elicit accounts receivablepledge in practice subject legality, transferability,specificity and the characteristics of the timeliness. Finally,introduce the accounts receivable in our country development.Accounts receivable in our country the development of mainpoints "matter right law" promulgated before,"matter rightlaw" and the people’s bank issued by the accounts receivablepledge registration method "three periods. After analysis ofthe accounts receivable pledge to revitalize the precipitationfunds, ease the small and medium-sized enterprise financingdifficulties and ease real estate secured loan is tooconcentrated, such as the role of the problem.The second chapter is about the commercial bank creditbusiness accounts receivable pledge financing, the main pointsbusiness practice, business standard, business operationprocess and operation difficulty three aspects elaborated.Business practice covers the commercial bank itself makemanagement methods and relevant provisions, to the accounts receivable pledge range, small business and business co., LTD.,the overall size of the content and so on four aspects. Inbusiness standard of the accounts receivable features andelements have been analysis. In the operation of the businessprocess and operation difficulties the pledge contract, pledge,the establishment and realization have been involved.The third chapter is about accounts receivable pledgefinancing legal risk, a total of nine aspects of risks,including the risk of authenticity, price virtual high risk,management risk, credit and moral risk, cancellation changerisk, offset the risk, subrogation exercise risk, the pledgeregistration risk and lawsuit risk limitation.The fourth chapter is the last chapter is about the pledgeof accounts receivable risk prevention. The major spoke furtherclear accounts receivable of the meaning and scope, establishan effective evaluation mechanism, perfect credit systemconstruction, determine the mortgage realization, standardaccounts receivable pledge contract text, perfect the accounts receivable pledge registration system, the introduction ofcredit insurance and improve credit management after eightaspects.
Keywords/Search Tags:Accounts Receivable, Pledge, Risk, Legal risk, CommercialBa nks
PDF Full Text Request
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