典当行生存调查

INVESTIGATION ON CHINA’S PAWNSHOPS

“救急不救长”是典当行的生存秘诀。 典当行本以民品典当为主业，目前却以服务中小企业融资为圭臬，陶醉于“第二银行”的光环。 越界服务引来其他市场主体的前后夹击，角色变化带来了“身份”纠结，这势必影响到中国典当行业的可持续发展。

The secret of pawnshop’s survival is to offer secured loans to those in need with valuable personal items used as collateral, rather than provide longterm loans for customers.With this advantage, modern pawnshops, which are regarded as an alternative to banks, are widely accepted and providing services for small and medium enterprises. However, while the city commercial banks and rural banks are expanding aggressively, the pawnshops face fierce competition. Moreover, the identity of pawnshops is another problem because many people do not consider pawnshops as financial institutions. In the future, the pawnshops might return to traditional business. There-fore, it is very important for pawnbrokers to have a clear positioning. They should hold advantage in their niche market when they are competing with other financial institutions, such as banks.