Research On Supply Chain Pledge Of Movables Financing Problem

With the economic globalization,the development of small and medium-sized enterprises have gained more and more attention,acting as a special enterprise group to promote economic development.However,the small and medium-sized enterprise’s financing difficult problem has became the biggest bottleneck in the development,supply chain finance chattel mortgage financing is a new way of trade financing under this background.Supply chain finance chattel mortgage financing can not only revitalize sediment capital of enterprises,to improve the utilization of enterprises,but also largely solved small and medium-sized enterprise financing difficult problem,create a healthy financing platform for the growth of SMEs in China.Therefore,in-depth analysis of supply chain finance chattel mortgage problem,which may appear in the process of financing,consider and can solve the consequences of these problems promptly,which is the great practical significance for the development of China’s economy.Firstly,from the basic theory of supply chain pledge of movables financing,describes the supply chain and the basic operation mode of the comb,summarizes the basic characteristics of supply chain financial pledge of movables financing,advantage can be seen when compared with the traditional financing,both in terms of the guarantee and risk situation,cost,analysis of the borrower’s credit or bank relationship with companies,professional and technical perspective,supply chain chattel pledge financing is a tailored specifically for small and medium enterprises a new mode of financing.Then describes the necessity of developing supply chain chattel pledge financing and the development present situation,because the business is the need of small and medium-sized enterprises to finance difficultes,it can also achieve the parties win-win situation,thus pushing the development of the society.So supply chain chattel pledge financing in our country is developing rapidly,the scale is also increasing,but development still faces great challenge at the same time,we need to innovate and improve constantly.In this paper,based on the failure case of Qingdao port supply chain chattel pledge financing is analyzed,found that the management of the business in the bank,the core enterprise,small and medium-sized enterprises credit guarantee and supervision of the third party logistics enterprises there are many problems,the cause of the Banks reluctant to lend has close relationship with these problems.Finally,put forward suggestion aiming at perfecting the chattel pledge financing business of supply chain.From the macro perspective of chattel pledge financing,for example,to strengthen the credit risk prevention and control mechanism,build dual core fact union financing model,establishing the risk early warning mechanism of small and medium-sized enterprises,set up the Internet based chattel pledge of the public platform,the establishment of standard warehouse market,with the help of the pledge value compensation mechanism to reduce the risk,perfect the legal system which is related to the chattel pledge financing and so on,in order to reduce the risks.