The Venture Management. Research On The Accounts Receivable Pledge Financing Of The Zhuzhou Branch Of The Agricultural Development Bank Of China

The accounts receivable pledge financing originated at the beginning of19th century in the United States. It has been the major financing means of modern enterprise, especially for the small and medium enterprises. There is70%in the middle of being the loan that the small business enterprise guarantees with the stock or the accounts receivable alone or guarantee together. According to the World Bank’s survey to139economic entities, only22economic entities don’t support and make accounts receivable being collateral on the law.On September30,2007, Chinese people’s bank drew up and promulgated’the accounts receivable pawn a register way’, it provided system support for push forward accounts receivable hypothecation the margin. October1at the same year,’the People’s Republic of China real right method’formally promulgated and carried out, among them, the clear statement rules accounts receivable can be in pop right for the very first time.Firstly, the article studies the accounts receivable financing in the development of domestic and international circumstance, and then analysis advantages and disadvantages on the current pledge of accounts receivable financing the overall environment. Secondly, the paper describes the Agricultural Development Bank of Zhuzhou City, accounts receivable financing pledge status, risks and problems. Thirdly, in the light of Zhuzhou city farming issue Accounts Receivable Pawns financing problems, put forward business process reengineering and a series of solutions and guard against financial risks in the proposal. Finally, in view of accounts receivable impawn financing problems, the article puts forward a series of solutions and Suggestions for preventing financial risks.The development of Account Receivable Pawns financing is bank international common practice, but also the inevitable trend of the development of Chinese banking industry. Through the anatomy of Zhuzhou city farming issue the "sparrow ", accounts receivable financing risk prevention and control for a more systematic study. Studies suggest that, through the improvement of accounts receivable financing system, normative accounts receivable pledge financing business process, rich Accounts Receivable Pawns financing business varieties, and through optimization of external credit environment, strengthen the construction of credit system of SMEs and other security measures, can effectively prevent and control of accounts receivable financing risk. On this basis, may be appropriate to speed up the accounts receivable pledge financing business development, partially solve the financing problem, and become a new point of growth of bank credit business.