珠宝典当行业的价格风险和应对之策

Price Risk in Jewelry Pawn Industry and Its Countermeasure

珠宝典当行由于手续简单便捷,在资金的紧急周转上具有突出优势,越来越受到个人小额贷款以及中小企业的重视,成为民间融资的重要渠道之一。珠宝典当在给典当人带来方便、给典当行带来效益的同时,也面临时收当时珠宝鉴定不准带来的典当价格失真、珠宝行业缺乏规范价格标准易造成价格的随意性、珠宝行业混乱信息失真带来的价格风险、珠宝市场价格大起大落带来的价格风险等不利因素,很容易给典当行带来巨大的经营风险。从有利于典当行经营效益和行业可持续发展角度来看,应该通过科学树立珠宝典当行的发展理念、配备专业仪器和专业鉴定评估人员、结合市场价格综合评估典当珠宝的价格、树立保险意识有选择地进行投保等策略,应对珠宝典当的价格风险。

Jewelry pawnshops have attracted more attention from personal loan and small and medium size enterprises and have become one of the important channels of private financing because of the facile procedure, which has prominent advantage in financial urgent turnover. When jewelry pawn brought convenience to customer and profit to pawn industry, it also faced the disadvantage of incorrect pawn price due to inaccurate jewelry appraisal, arbitrary price resulted from shortage in price normalization in jewelry industry, price risk from false information and chaos in jewelry industry and price risk from large rise and fall in jewelry market price, all of the above would tend to bring huge operation risk to pawnshop. From the perspective of industrial sustainable development and beneficial pawnshop operation profit, we should build scientific development concepts, suit up professional instrument and appraisal experts, evaluate jewelry price by combining the market price, and establish insurance consciousness for selective insurance to cope with the price risk of jewelry pawn.