本文關鍵詞： 商業(yè)銀行 動產質押 風險 監(jiān)管　出處：《復旦大學》2013年碩士論文　論文類型：學位論文

【摘要】：動產質押在金融領域普遍被使用,但是伴隨的風險由來已久,在高風險帶來高收益的同時承擔著金融企業(yè)的固有高風險,商業(yè)銀行作為經(jīng)營“信用”的高風險企業(yè),通常需要采用各種有效方式來規(guī)避風險,動產的質押監(jiān)管就是其中的主要形式之一。但是商業(yè)銀行并沒有物流經(jīng)營資質并且缺乏對動產管理的經(jīng)驗,于是委托物流公司對動產進行監(jiān)管,有效分散動產質押風險。 其次,由于宏觀經(jīng)濟政策及房地產調控等政策的實施,經(jīng)濟過快發(fā)展的模式得以遲緩,中小企業(yè)的資金鏈一定程度被中斷了,商業(yè)銀行的動產質押監(jiān)管由于中小企業(yè)資金鏈問題風險加大,商業(yè)銀行的一些協(xié)會組織和物流監(jiān)管公司對于彼此的責任分擔也存在著巨大的分歧。 本文正是結合了以上的背景,分析了商業(yè)銀行動產質押的風險來源,包括銀行的金融風險,動產質押的風險,物流企業(yè)第三方的監(jiān)管風險。在物流企業(yè)作為監(jiān)管方接受銀行的委托之后,通過借款企業(yè),銀行、倉儲企業(yè)、監(jiān)管企業(yè)四方的角色分析,并且分析了倉儲企業(yè)及監(jiān)管企業(yè)責任的區(qū)分,明晰了監(jiān)管責任。 在分析了風險的構成之后,通過銀行的成功質押融資案例分析成功的原因,并且提出了一些如何減弱風險的措施。
[Abstract]:Chattel pledge is widely used in the field of finance, but the accompanying risks have a long history, and bear the inherent high risk of the financial enterprises while the high risks bring high returns. Commercial banks as a "credit" high-risk enterprises, usually need to use a variety of effective ways to avoid risk. Pledge supervision of movable property is one of the main forms, but commercial banks do not have logistics management qualification and lack of experience in the management of movable property, so they entrust logistics companies to supervise chattel. Effectively disperse the risk of pledge of movable property. Secondly, because of the implementation of macroeconomic policy and real estate regulation and control policies, the mode of rapid economic development has been delayed, and the financial chain of small and medium-sized enterprises has been interrupted to a certain extent. Due to the risk of capital chain problem of small and medium-sized enterprises in the supervision of chattel pledge of commercial banks, there are great differences between some association organizations of commercial banks and logistics supervision companies on the sharing of responsibilities between them. This article combines the above background, analyzes the commercial bank chattel pledge risk source, including the bank financial risk, chattel pledge risk. Third party supervision risk of logistics enterprise. After the logistics enterprise as the supervisor accepts the bank's entrustment, through the loan enterprise, the bank, the warehousing enterprise, the supervision enterprise's role analysis. And analyzed the warehouse enterprise and the supervision enterprise responsibility distinction, has clarified the supervision responsibility. After analyzing the composition of risk, the paper analyzes the reasons of success through the case of bank's successful pledge financing, and puts forward some measures to reduce the risk.
【學位授予單位】：復旦大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D923.2

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本文編號：1479181