發(fā)布時(shí)間：2018-05-23 19:03

  本文選題：園林綠化 + 苗木資產(chǎn)　； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：在國(guó)家“十二五”規(guī)劃提出“建設(shè)環(huán)境友好型社會(huì)”和“深入貫徹保護(hù)環(huán)境基本國(guó)策”的重大戰(zhàn)略背景下,園林綠化行業(yè)迎來(lái)了新的發(fā)展期。園林綠化企業(yè)苗木資產(chǎn)質(zhì)押貸款給商業(yè)銀行和園林綠化企業(yè)都帶來(lái)了新的機(jī)遇,但是因?yàn)殂y行和企業(yè)雙方存在的種種原因,目前苗木資產(chǎn)質(zhì)押貸款還難以開展。由于專門針對(duì)苗木資產(chǎn)的質(zhì)押貸款研究得比較少,苗木資產(chǎn)歸屬于動(dòng)產(chǎn)和存貨分類,因此筆者通過對(duì)動(dòng)產(chǎn)質(zhì)押貸款和存貨質(zhì)押貸款的成果研究,總結(jié)了研究文獻(xiàn)中的優(yōu)秀成果,也從中發(fā)現(xiàn)了值得苗木資產(chǎn)質(zhì)押貸款研究借鑒的經(jīng)驗(yàn)和進(jìn)一步探討的課題。 筆者通過對(duì)園林綠化行業(yè)融資情況的分析,特別是銀行對(duì)風(fēng)險(xiǎn)控制的要求,著重分析了苗木資產(chǎn)質(zhì)押貸款中存在的四個(gè)方面風(fēng)險(xiǎn),即操作性風(fēng)險(xiǎn)、估值風(fēng)險(xiǎn)、監(jiān)管風(fēng)險(xiǎn)和變現(xiàn)風(fēng)險(xiǎn)。并對(duì)造成這些風(fēng)險(xiǎn)的原因進(jìn)行了細(xì)致分析,針對(duì)這些問題及原因提出了風(fēng)險(xiǎn)控制的措施和建議。 針對(duì)苗木資產(chǎn)的操作風(fēng)險(xiǎn),提出了及時(shí)完善苗木資產(chǎn)貸款管理辦法和實(shí)施細(xì)則以防范操作風(fēng)險(xiǎn)。 針對(duì)估值風(fēng)險(xiǎn),具有一定創(chuàng)新意義地提出：苗木資產(chǎn)評(píng)估中的制度性缺陷是苗木資產(chǎn)缺乏一套完整的標(biāo)準(zhǔn)體系以及缺乏公開交易市場(chǎng),提出及時(shí)建立標(biāo)準(zhǔn)體系和多種渠道建立公開交易市場(chǎng)的建議,并提出從評(píng)估公司、評(píng)估方法和評(píng)估價(jià)格三方面控制估值風(fēng)險(xiǎn)的措施。 針對(duì)監(jiān)管風(fēng)險(xiǎn),提出了在第三方監(jiān)管、銀行監(jiān)管和銀行貸后管理服務(wù)外包三種監(jiān)管模式下的風(fēng)險(xiǎn)控制措施。 針對(duì)變現(xiàn)風(fēng)險(xiǎn),提出通過加強(qiáng)資產(chǎn)事前押品管理防范變現(xiàn)的前期風(fēng)險(xiǎn),通過拍賣公司和行業(yè)協(xié)會(huì)做好變現(xiàn)預(yù)案,在拍賣過程中規(guī)范操作防范變現(xiàn)過程中的風(fēng)險(xiǎn)。 筆者希望能夠通過對(duì)園林綠化企業(yè)苗木資產(chǎn)質(zhì)押貸款風(fēng)險(xiǎn)與控制的探討,為解決園林綠化企業(yè)融資難的問題,同時(shí)為銀行信貸市場(chǎng)拓展新的業(yè)務(wù)空間,尋找一種有效的途徑和方法。
[Abstract]:Under the background of "building an environment-friendly society" and "carrying out the basic national policy of protecting the environment", the landscape greening industry has ushered in a new development period. The loan of nursery stock assets pledge for landscaping enterprises has brought new opportunities to commercial banks and landscaping enterprises. However, because of the existence of both banks and enterprises, it is still difficult to carry out the loan of nursery stock assets pledge at present. Because of the lack of research on pledge loan for seedling assets, which belongs to the classification of movable property and inventory, the author summarizes the outstanding results in the research literature through the research on the achievements of pledge loan and inventory mortgage loan. It also finds the experience and further research topics worth studying on the loan of seedling asset pledge. Based on the analysis of the financing situation of landscaping industry, especially the requirements of banks for risk control, the author focuses on the analysis of four aspects of risks, namely operational risk and valuation risk, which exist in the loan of nursery stock asset pledge. Regulatory risk and liquidity risk. The causes of these risks are analyzed in detail, and the measures and suggestions for risk control are put forward. Aiming at the operational risk of seedling assets, this paper puts forward the timely improvement of loan management methods and implementation rules of seedling assets in order to guard against operational risks. According to the risk of valuation, it is suggested that the institutional defects in the evaluation of nursery stock assets are the lack of a complete standard system and the lack of open trading market. The paper puts forward the suggestion of establishing the standard system and various channels to establish the open market in time, and puts forward the measures to control the valuation risk from three aspects: the evaluation company, the evaluation method and the evaluation price. Aiming at the supervision risk, the paper puts forward the risk control measures under the three supervision modes: third party supervision, bank supervision and bank loan management service outsourcing. In view of the realization risk, this paper puts forward to prevent the early risk of realisation by strengthening the management of the assets' prior charge, and through the auction company and the trade association to make a good liquidation plan, and to standardize the operation during the auction to prevent the risk in the process of realisation. The author hopes that through the discussion of the risk and control of the loan of the nursery stock pledge of the landscaping enterprise, in order to solve the problem of the financing difficulty of the landscaping enterprise, and at the same time to expand the new business space for the bank credit market, To find an effective way and method.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F326.2

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