应收账款质押融资问题研究——以广西为例

Research on the Accounts Receivable Pledge Financing

当前,融资难成为我国中小企业发展面临的主要困境。近几年来,经过人民银行大力推广应收账款质押登记公示系统,应收账款质押融资已经成为有效解决我国中小企业融资难题的重要工具之一。本文阐述了当前国内应收账款质押融资业务基本情况,详细分析了广西应收账款质押融资业务发展现状和面临的一些问题和困难,并提出了相应的对策建议:一是健全完善应收账款质押融资配套法规制度;二是加强对各金融机构应收账款质押融资业务指导;三是争取地方政府出台相关指导性文件;四是鼓励金融机构开展应收账款质押贷款,同时加强风险控制;五是加强担保体系和中小企业信用体系建设。

At present, the financing difficulty has become a major predicament to the development of SMEs . In recent years, ＇the receivable pledge registration public notice system is strongly promoted by the PBC, which has made the accounts receivable pledge financing become an effective solution to the financing problems of SMEs in China. This paper describes the basic situation of the current domestic accounts receivable financing pledge,providing a detailed analysis of development conditions and difficulties of accounts receivable financing business m Guangxi, and offering the relevant suggestions as follow. First, the supporting laws and regulations to the pledge of accounts receivable financing should be improved and consummated; second, the professional guidance to the business of the pledge of accounts receivable financing in financial institutions needs to be strengthened; third, the institutions are the construction