Civil Zhang Wei
The impawn of receivable Zhang money that builds the whole nation to unite concentration registers a system, it is right " matter right law " those who carry out fulfil. Central Bank personage expresses before this, our country's original movables assures in matter power system, assure content range is too narrow, go against movables to carry support value to be worth play, go against an enterprise especially financing of medium and small businesses, go against financial product innovation, go against risk of protection of benefit of credit human rights and bank loan to be on guard.
Below the circumstance of movable financing suffocate suffocate, loan of medium and small businesses basically is relied on praedial. Do not take give house property to serve as guaranty, mean apply for to borrow money to the bank hard. the medium and small businesses to lacking capital, the praedial natural resources in the hand is limited after all, more returning is the movable resource such as receivable Zhang money, goods in stock.
Inside banking the personage looks, the financing of small company is difficult, it is the kind giving a letter that bank place pursues greatly, the requirement that has with small company place does not match. From for just looking, credit, assure to assure, guaranty assures is the means giving a letter with commonly used bank, impawn assures use lesser. From need to just look, small company because its oneself scope is little, fight risk ability to lose, the natural resources such as the fixed assets that can offer mortgage and intangible assets is extremely scarce also be short of.
In recent years, each are big the bank tries to innovate on movable financing in succession, but the company that be benefited is very limited. And the data that provides according to headquarters of Central Bank Shanghai, the United States built efficient movables to assure system, include receivable Zhang fund inside movable impawn financing, 70% what had occupied financing of medium and small businesses. Occupy estimation additionally, our country is occupied without the credit that assure in big company loan 27% , small company is occupied only 5% , and in total assets of medium and small businesses about 60% it is the movables such as receivable Zhang money and goods in stock.
The personage says related headquarters of Central Bank Shanghai, " matter right law " before promulgating, our country " assure law " did not include impawn content clearly range receivable Zhang fund, the financing of impawn of receivable Zhang money between bank and enterprise does not have legal safeguard, restrained financial orgnaization to extend to these enterprises the enthusiasm of loan. Introduce according to public figure of the bank on Shanghai, long-term since, movable impawn " cake " do hard big, main difficulty depends on authority belonging to a problem. Praedial have him the registering system of a right, if house property arrives,trade the center undertakes registering can, and movables does not have this kind of system however. Nowadays " matter right law " carry out, expanded to be able to be used at the belongings limits that assure, stipulate receivable Zhang money can go clearly qualitative, in jural ensure basically to protected the interest of creditor to offer.
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