应收账款质押的信贷风险控制——基于法学视角

Control of the Credit Risk in Accounts Receivable Pledge： From a Legal Perspective

虽然应收账款质押具有社会经济意义，但信贷机构却承受着较大的风险。为控制信贷风险，应完善应收账款的公示模式，使质押效力有力地约束出质人并及于次债务人，同时确立受损应收账款质押债权的赔偿制度。

Although the accounts receivable pledge has social and economic significance, the credit agencies bear big risks in offering loans. To control the credit risk, the credit agencies should optimize the public notice mode of accounts receivable so that the pledge effect can bind the pledger as well as the secondary debtors. At the same time the credit agencies should establish a compensation system for the damage to their creditor＇s right in accounts receivable pledge.