存货质押融资业务模式探索与实践——基于征信机制创新的视角

Exploration and Practice of Pledged Inventory Financing Business Mode——Based on the Innovation of Credit Reporting Mechanism

存货质押融资是贸易融资中一种重要业务模式。但是,该模式下质押物的所有权、质押权和监管权三者相分离的内在特征,极易造成虚开或伪造仓单、货控不严等道德风险,以及货物不符等操作风险。为此,中国人民银行青岛市中心支行通过对贸易融资业务深入调研分析,以明晰权属、管控货物为出发点,搭建存货质押融资服务平台,从根本上对该业务模式进行改造,推动贸易融资业务健康发展。

Pledged inventory financing is an important business mode in trade finance. However, the inherent characteristics of this mode in which ownership, pledge right and supervision right of the pledged subjects are separated, are extremely conducive to such moral hazards as false or counterfeit warehouse sheets, not strict control of goods, and the operation risk of discrepancy goods. Therefore, based on an in-depth research and analysis in the trade financing business, and clarifying the ownership and control of the goods as a starting point, Qingdao City Central Sub-branch of the People ＂s Bank of China builds pledged inventory financing service platform and fundamentally transforms the business mode, so as to promote the healthy development of trade financing business.