典当融资与银行融资的比较研究

A Comparative Research of Pawnbroking and Commercial Bank Finance

典当融资是一种特殊的信用活动,"以物质钱"是其最突出的特色。资金融通是典当行最基础、最重要的社会功能,因此金融属性应该是典当行的本质属性。典当融资与银行融资相比,具有小额、短期、灵活、方便的特点。二者在贷款对象、贷款规模、资金来源、贷款种类、贷款用途、贷款流程等方面都存在着显著的差异,典当融资对银行融资起着拾遗补缺的作用。典当行与商业银行相互配合,不仅可以优化金融产业内部资源的配置,还可以满足不同层次的融资需求,促进实体经济发展。

Pawns financing is one kind of special credit activity,＂pledge goods to borrow money＂ is the most prominent features.Financing is the most foundation and important social function for the pawnshops,so that the financial property should be the essential attribute of pawnshops.Compared with the bank financing,the pawns financing has the characteristics as small,short-term,flexible,and convenient.They have significant differences in the borrowers,loan size,funding sources,loan type,loan purpose,loan process,etc.Pawns financing supplied a deficiency and gleaning for the bank financing.The pawn shop and the Commercial bank coordinate mutually,not only can optimize the disposition of the financial industry interior resources,but also satisfy the financing demand in different level,promotion the real economic development.