Research On Risk Management Of H Bank's Inventory Pledge Financing Business

In recent years,the Party Central Committee and the State Council attach great importance to encouraging and supporting the development of small and medium-sized enterprises.In order to cope with and solve the problem of small and medium-sized enterprises loan difficulties,they constantly innovate and reform the mode of bank-enterprise cooperative financing,merge financial innovation and logistics value-added business,and the logistics financial business emerges at the historic moment.Inventory pledge financing becomes the commercial fund of banks.The fastest growing product.After business expansion,it is found that the rate of non-performing chattel financing is only 0.3%,which is much lower than the level of1.15% of the credit business of ordinary enterprises.It is widely loved by customers of small and medium-sized enterprises and some banks.As a local joint-stock commercial bank,bank H has a monotonous business model.The main source of profit is the income of interest difference between deposit and loan.The main source of loan income is real estate mortgage and credit loan.It is urgent to develop accounts receivable guaranteed mortgage business.A variety of logistics financial models need to be developed.This is also a lot of city businessmen.The common trend of industrial banks.Under this background,this paper chooses H Bank's inventory pledge financial business as the research object,and combines with practical cases,from loan approval process,supervision project start-up,payment review,receipt confirmation,arrival and warehousing management,goods right management,price management,warehouse patrol management,redemption and warehousing management,reconciliation and supervision project.In every step of follow-up management,insurance and archives management,we find out the deficiencies of the bank in risk management of risk financing,explore the main risks existing in the operation of the model,find out the causes of risk management problems,and find out the Countermeasures of risk management,hoping to effectively promote the H bank's cargo financing industry.Further improvement of business risk management plays a good theoretical guidance and practical reference role for risk controllers of H bank's cargo financing business to implement specific wind control measures and build risk management system of cargo financing business.Through the research,it is found that the main risk management problems of H bank's cargo financing business are the non-standard selection of pledge species and value determination,the disorder of access of third-party warehousing enterprises,the risk of market changes,the legal risk of unclear responsibilities and powers,etc.In order to solve these problems,it is proposed to strengthen supervision and control and improve the third-party warehousing enterprises.The research countermeasures include the threshold of industry access,strengthening the risk management consciousness of bank customer managers,perfecting relevant contract texts and non-text contract law review process,and contributing to the development of inventory pledge financing business for banks.