Legal Risks And Precautions Of Creditor's Pledge In Small And Medium-Sized Enterprises

Accounts receivable financing is a kind of account receivable financing,company signed a contract with specialized financial institutions such as banks,accounts receivable of the enterprise as collateral to get Bank funds to help.China's pledge of receivables in the property law has clear provisions,but such a provision is not very specific,some details such as the pledgee and pledgor,among the debtor's rights and obligations,and so on are not very detailed,so in order to comply with the economic development in 2007,the enactment of the Measures for the registration of a pledge of accounts receivable and the pledge of receivables operation rules,enacted two laws specifically provides accounts receivable pledged our pledge of accounts receivable is an encouraging attitude.But in real life this is not the case,because some of the small and medium enterprise's reputation,size,financial institutions require advanced a number of reasons,these small and medium enterprises are still not able to get financial help.How to perfect our country's legal provisions of pledge of accounts receivable,enabling it to accounts receivable financing to provide a free and safe environment is particularly important.And how to reduce risk in a pledge of receivables is important.At this stage the development trend of China's economy is an 1-shaped and when you can bounce is still unknown,in the current process of economic development by creating the most serious one is that these small and medium enterprises,but these small and medium ente:rprises is an indispensable part of China's economic development,in order to fit the current situation,This financing accounts receivable analysis and research at this time may be more timely and practical.We can see that this topic has more practical value for research.In addition to introduction from six parts to study the accounts receivable financing and legal risk and control.The first part,described in detail the status of the accounts receivable financing and the rise and from the analysis of the current state of the account receivable pledge insufficient.The second part describes the civil law and common law system for accounts receivable pledge system as well as with civil law countries provided for by law and common law countries is different.The third part describes the basic theory of system backed by receivables.Fourth from the pledgor,the debtor Bank risk analysis in terms of accounts receivable pledged and to propose a solution.Based on the study of methods and content of innovation in both,compared with previous research results more closer to the current situation,accounts receivable financing should be combined with the current economic situation,more meaning.Research methods based on the found problems,ask questions,analyze and solve problems.Content analysis in risk prevention as the main objective,to solve the problem of receivable financing plays an important role.Based on the study of methods and content of innovation in both,compared with previous research results morecloser to the current situation,accounts receivable financing should be combined with the current economic situation,more meaning.Research methods based on the found problems,ask questions,analyze and solve problems.Content analysis in risk prevention as the main objective,to solve the problem of receivable financing plays an important role.