The Risk And Prevention Of Receivables Pledge Financing In Commercial Bank

In 2016,China's accounts receivable financing has gone through nine years.In this year,the receivable accounts greets the dividend policy.The central bank and eight ministries jointly issued <About the financial support of industrial restructuring increases efficiency of steady growth>,"continuing to support receivable accounts financing,promoting the construction of unified registration system of chattel financing,to improve the transfer and pledge of accounts receivable,make the market more supply chain involved in the pledge of accounts receivable financing service platform,to promote the commercial Banks to carry out the receivable accounts pledge and expand the scale of financing ".Therefore,accounts receivable financing business has become the key part in the supply chain financing in China.However,according to the recent survey,in recent years,though the growth rate of accounts receivable financing has became faster in China,compared with the national industrial enterprises above designated size at the end of 2016 of 12.6 trillion yuan accounts receivable and more than 87 million households in the market,accounts receivable financing's scale is still small,the financing rate is also not optimistic.The bank accounts receivable financing business has been undevelopement all the time,that makes the small and medium-sized enterprises in financing are plunged into the misery.Therefore,studying on the bank accounts receivable pledge loan business the risk of reasons,and puts forward countermeasures on the risk of this thesis is of the great significance.This paper is divided into three parts altogether,mainly discussing the prevention of accounts receivable risk in banking practice.In the first part of the thesis,the author compiled the related cases by indexing the articles of the law,using the method of qualitative and quantitative to investigate the current circumstance of our country commercial bank accounts receivable pledge business.In the study,the author sums up the bank accounts receivable pledge loan in quality content type dimension,regional dimension and dimension respectively presents the characteristics of the bank ofnature.Then,the second part of the paper,the author discuss the reason of bank handling accounts receivable pledge business facing the risk of root cause analysis,respectively standing on the angle of pledge of accounts receivable legal relationship three parties and related legal system of the four aspects elaborates the risk sources.Finally,before the third part mainly part of the paper analysis the risk point puts forward some Suggestions of prevention measures,mainly divided into two aspects,on the one hand,from the perspectives of perfecting the legal system is expounded,including the definition of receivables scale on the legislative style and improve actual operation level registration system,as well as the right to transfer and implementation link notification rules,and direct bank charge right system construction,in order to a safe and effective for the design of the business bank concept of priority system environment,reduce the risk of banking industry in handling accounts receivable pledge business;On the other hand the author aims to the bank's operation process,putting forward to some sugestions which is improve their operation process,from before the reviewing loan to borrowing to post-loan supervision in the specification.In the three stages,the bank should be prudent lending business,paying attention to guard against the risk of each of the above mentioned points,in the existing legal system,identifing risks,serving the financing needs of small and medium-sized enterprises,to develop the function of the receivables pledge.