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Warehouse receipts pledge loan business solutions to SME loan applications

Author: ZhengZheWang
Tutor: YinYuMing
School: University of Electronic Science and Technology
Course: Business Administration
Keywords: SMEs Loans of Pledge of Warehouse Receipts (PWR) Commercial bank
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 116
Quote: 0
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Abstract


In recent years, the rapid development of SMEs in China,has occupied a pivotal position in the Chinese national economy, and become a very strong power to support Gross economy to develop sustainable and rapidly. However, due to the uncertainty, lack of awareness of modern finance, prevalence of opportunistic and generally low credit ratings in the development of the SMEs, the financing constraints has become a very serious“bottleneck”.As an extension of the development from the traditional storage warehouse receipts to the modern logistics business, Pledge of Warehouse Receipts (PWR) has been recognized by more and more enterprises. At the same time, it has been seen as a financial product which is the innovation result of logistics and financial business cooperation. PWR more suited to our current difficulties in corporate finance, bank lending difficult market situation, and it can solve the contradiction between banks and enterprises. In the PWR financing process, with the help of the storage company as its third-party guarantor, PWR can avoid the financial risks effectively, and in a relative long time, it can solve our current problem of inadequate credit system. Therefore, in this paper, I choose the PWR business of the commercial bank to solve the financing problem of SMEs, has a very important practical significance.To solve this problem, first, the paper analyzes the reasons for the financing difficulties of the SMEs. Whether from the inside itself or external reasons, the traditional way of financing constraints is no longer an effective solution to the problem of liquidity for SMEs’development. Secondly, the paper gives a brief description of the bank PWR and some related concepts, and focuses on the mechanism of PWR which can solve the SMEs’financing difficulties. Thirdly, the paper analyzes the model and process of the bank to carry out the PWR business. Then the paper describes the risks point of the banks’PWR business, focuses on the principles of its occurrence, and proposes some prevention and control measures. In the end, the study also gives some summaries and prospects. Keywords: SMEs, Loans of Pledge of Warehouse Receipts (PWR), Commercial bank

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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