Risk Research And Countermeasures On Pledge By Warehouse Receipts On The Commercial Bank

In recent years,the logistics finance attract more and more attention from the public.One of the most typical business of the logistics finance is warehousing credit.Warehousing credit is the result of the development of modern logistics.It is benefits for the enterprise to develop financing channels and help commercial banks to increase lending ways.Warehousing credit can alleviate contradiction of funds between banks and enterprises.As a third party,logistics enterprise is duty-bound to monitor the pledge and guaranteed for the loan companies so as to reduce the capital risk.Warehousing credit is good to use the capital that occupied by the goods effectively.As the result of The development of modern logistics and financial innovation,it make up the problems of present credit system of the state.So,it's meaningful to research the warehouse receipt pledge loan business of commercial banks.Under the mode of warehouse receipt pledge,the goods of loan enterprise are safekept by logistics company.logistics company signs and issues warehouse receipt for loan enterprise so that they can use it to apply for a loan from the banks.According to the value of goods recorded at the warehouse receipt,commercial banks will lend amount of capital to the enterprise.For the commercial banks,the goods safekept by the third party can guarantee the safety of the loans;For the loan enterprise,it is convenient to solve the financing problem in the process of business.For the logistics company,it can increase its additional value,expand the service function of warehouse,update the device and network and comprehensive its competitiveness.However,the history of the warehouse receipt pledge mode in our country is short and our field experience is not mature enough.At the same time,warehousing credit is quick sanded by state law and market system and involves many problems of the management system,information security and so on.Especially for the commercial banks,it's risky to carry out of the warehouse receipt pledge loan for it's likely to meet the problems of goods' supervision,warehouse management and enterprise credit.So it's necessary for commercial banks to control risk and optimize the warehouse receipt pledge process.This paper starts from the perspective of commercial bank,first introduced the research background and research significance of warehouse receipt.And then summarizes the research of warehouse receipt pledge at home and abroad and expounds the related concepts of warehouse receipt pledge business.After introduce the development history and current situation of warehouse receipt pledge,this paper summarized the business model of warehouse receipt pledge and focus on the potential risks in the process of warehouse receipt pledge business of commercial banks.The paper analyses the possible risk of commercial banks in practice through a typical case and put forward some specific ways for these risks.Finally,this paper put forward the proposal for the process optimization of commercial banks'warehouse receipt business.Through the development and application in practice,it's likely for warehouse receipt pledge be widely used in the future.With the support of national policies and laws,warehouse receipt will play a good role in the ways of promoting the turnover of capital,improving the economic benefit and promoting social and economic development.