我国典当业的融资功能研究

Research on the Financing Function of China's Pawn Industry

2005年4月1日,商务部和公安部联合出台的《典当管理办法》为我国典当业的现代性发展提供了一个新机遇,从此走上了一个快速发展的阶段。典当作为特殊的融资方式为中小企业和个人提供了方便的融资服务,成为中小企业的融资渠道,对发展地方经济和应急解困起到了很好的补充作用,成为市场经济市场上必不可少的部分。有着社会经济地位的典当业是客观存在的,是社会经济发展的必然产物,然而,在这一阶段中国的典当业是一个年轻的行业,同时也面临多元化的国外金融业和商业流通的发展以及行业自身的问题,无法发挥对经济社会的作用。本文首先对典当的融资特点、融资方式以及典当融资在金融业中存在的多元领域的竞争进行分析,从而进一步探析中国典当融资环境、存在的问题,并针对问题提出解决对策。在此基础上分析其未来发展趋势,更好地拓宽典当这条融资大道。

On April 1st, 2005, the Ministry of Commerce and the Ministry of Public Security jointly issued《pawn manage?ment approach》, which has provided a new opportunity for the development of China's modern pawn industry, hence it embarked on a rapid development stage. Pawn as a special means of financing, provides convenient financial services for small and medium sized enterprises and individuals, thus it becomes a financing channel for the SMEs;it plays a good role in developing local economy and overcoming difficulties, then turns to be an indispensable part of the market econo?my pattern. With social and economic status, pawn broking is an objective existence, it is the inevitable outcome of the so?cial and economic development, however, China's pawn is a young industry at this stage, facing diversified foreign finan? cial industry and the development of commercial circulation and the industry's own problems, it always fails in playing its due role on the economic society. Firstly, the article makes analysis of the pawn financing's features、ways and multi-field competitions faced by mortgage financing in the financial industry, then develops further exploration into Chinese pawn fi?nancing development environment and the existing problems, and then puts forward the countermeasures. On this basis it analyzes its future development trend, in order to better broaden the financing road of pawn broking.