Legal Protection Research Of Commodity Financing Business Risk

Commodity financing is a new credit business of modern commercial banks and logistics supervision company which combines. Basel accord that commodity financing refers to a variety of borrowers with credit storage materials, commodities for sale or in the commodity exchange trading of bulk commodities receivable shorter term. Bank loans in the operation, commodity financing is generally refers to the borrower for the ownership of goods to pledge, to the bank for a short-term loans; bank by its business site constraints, usually entrusted with the supervision ability of logistics companies on behalf of their receiving, storage, supervision of pledge commodity, in the borrower repayment, a financing business advising bank supervision company to remove the pledge and return the supervision of goods. Therefore, also can be said that the commodity financing is in an enterprise inventory goods pledged as collateral for credit and financing business.At present, the small and medium-sized enterprise has become China’s rapid economic development an important driving force, but the financing difficulty has always. Investigate its reason, on the one hand is the small and medium-sized enterprises generally lack collateral bank can be recognized, it is difficult to obtain bank credit funds support; on the other hand, in the process of business development, small and medium enterprises because of inventory taking up a lot of valuable liquidity. How to effectively reduce the occupation of funds, improve efficiency in the use of funds into these problems of enterprises. In this case, some inventory goods because of good liquidity, long-term price stability and can be used as loan collateral characteristics are commonly found and optimistic about the bank, small and medium-sized enterprises and logistics company, emerge as the times require a new bank financing, that is pledged as collateral to commodity financing business enterprise inventory goods.In this new way of financing, the bank provides companies with much-needed credit funds, can effectively and invigorated the borrower’s inventory, help to solve the financing problem of the enterprise; on the other hand, commodity financing business also help banks to expand new markets, opening up new profit growth point, reduced loan risk, improve the use of the efficiency of credit capital, to optimize the credit structure, is of positive significance to improve their own financial service level.Commodity financing in multi-party cooperation and win-win situation brought to the bank, supervision companies and small and medium-sized enterprises at the same time, also with a lot of potential risk factors are not easy to find. The risk of commodity financing business both market risk of changes in bank credit, enterprise credit risk shared risk, because the mode of operation of the special and has its own special risks, such as commodity collateral delivery risk, collateral risk, rolling of pledge commodity commodity collateral risk, concurrence of pledge commodity ownership reservation internal regulatory risk risk, bank etc..Based on the analysis of commodity financing business risk, the prevention of commodity financing business risk of proposals and ideas put forward from the aspects of legislation and practice.