商品融资业务的特性分析及其防范风险对策

The Feature Analysis and Risk Prevention Countermeasures of the Commodity Financing Business

商品融资贷款作为一项新兴的业务,对于丰富信贷产品、满足客户融资需求、调整银行信贷结构都有积极的效应。本文对其发展过程中显现的薄弱环节及易发的风险隐患进行分析,提出重视队伍建设、提高业务技能,坚持"先看经营,后看押品"选户原则,完善同物流公司的监管合作协议等建议。

As a new business, the commodity financing loan produces the positive effect on enriching credit products, meeting customers＇ financing needs and adjusting the bank credit structure. The paper analyzes the weak link in the process of its development and the potential risks, and puts forward suggestions such as attaching importance to staff construction, improving business skills, ad- hering to the principle of selecting customers, and perfecting the regulatory cooperation agreement with logistics companies.