Warehousing pledge financing is what?

? ? ? China's warehousing pledge financing business originated in Guangdong, Jiangsu, Zhejiang area, business distribution is mainly manufacturing enterprises, trade and industry-intensive areas.

???????Warehouse pledge financing has strong vitality, it refers to the enterprise will have the future cash flow of specific assets stripped off, warehouse pledge financing in the financing structure includes four aspects:

???????Including the structure of property right based on collateral inventory, the financing quota (ie, risk exposure, risk exposure) and repayment structure, cost structure and risk aversion structure.

???????These structures are developed with the participation of banks, lenders and pledge managers, and are embodied in contracts between the three.

???????Warehousing pledge financing is the most significant one is the demand for personalized services for different customers can develop a variety of financing models.

???????1 warehouse receipt pledge

???????By the borrower enterprises, financial institutions and logistics companies reached a tripartite agreement, the loan companies to deposit material in the logistics company's warehouse.

???????Then, with the logistics company issued by the warehouse receipts to the bank for loan financing, the bank according to the quality of the value of goods and other related factors to provide a certain percentage of the loan, the pledge of the goods do not have to be provided by the borrowing enterprises, suppliers or Logistics company.

??????Buyer 's Credit

??????For the borrowing enterprises that need to purchase materials, the financial institution first draws the bank acceptance bill, and the borrowing enterprise purchases the goods from the supplier with the bank acceptance bill.

??????And by the logistics company to assess the storage as a pledge, financial institutions in the acceptance of the maturity of the cash, the money drawn to the supplier account.

??????Logistics companies in accordance with the requirements of financial institutions in the borrower to fulfill the repayment obligations after the release of material, if the borrower default, the goods can be re-purchased by the supplier or logistics company.

??????3 spot pledge

??????The borrower shall transfer the pledge to the warehouse designated by the financial institution (the warehouse is divided into a third-party warehouse and the pledgor's own warehouse), and the borrowing enterprise, the financial institution and the supervision company reach a tripartite agreement.

??????The spot assets are held by the financial institutions, and the supervision companies are entrusted to supervise and control the financial institutions to determine the unit price of the pledged goods. The supervisory company supervises the quantity of the pledged substances according to the total value of the supervised materials controlled by the financial institutions.

??????At the same time assume responsibility for the verification of ownership and custody of the quality of material, financial institutions based on the actual provision of the loan companies to determine the value of the goods through a certain proportion of loans.

??????4 Dynamic pledge

??????Dynamic pledge allows companies to obtain liquidity during the pledge period, it will not affect its normal production and sales, resulting in a capital amplification effect.

??????Dynamic pledge is to enable enterprises to precipitate in raw materials, semi-finished products, finished inventory into cash flow.

??????At the same time, through the professional supervision of the company to penetrate into the various transaction levels, to grasp the flow of funds, according to credit limit control risk exposure to ensure the safety of bank lending funds.

??????Professional management of the company's professional management has promoted the internal management of the financing unit to its management and business processes and capital chain to accelerate the operation of both played a great role in promoting.

??????To sum up, the dynamic pledge financing has been the real estate and real estate business live most vividly, so that its stock of assets to maximize the benefits. Dynamic pledge mainly in the following ways:

??????1, circular pledge (rolling pledge):

??????Taking into account the validity of the warehouse receipts (warehouse validity period, the quality of goods shelf life) and other factors, during the pledge, in accordance with the agreement with the bank, the owner can use the same number of products to replac the original material to ensure that bank claims corresponding to the value of material change.

??????2, replacement warehouse receipts pledge:

??????In the pledge period, according to the agreement with the bank, the owner can replac the original warehouse receipts with the replacement of the original warehouse receipts, the bank released the corresponding pledge warehouse receipts.

??????At the same time, the custodian to lift the special supervision of the corresponding material, the replacement of bank claims to ensure the quality of the corresponding material does not reduce the value.

??????3, credit or margin replacement warehouse receipts pledge:

??????During the pledge, according to the agreement with the bank, the owner can increase the margin or provide a new form of credit guarantee replacement replacement of the original pledge warehouse receipts.

??????After the replacement of bank claims to ensure the quality of the corresponding material does not reduce the value (can increase), the bank released the corresponding pledge warehouse receipts, while the custodian of the lifting of the corresponding special supervision of the material.

??????4, the dynamic control of the stock lower limit pledge (liquidity pledge):

??????Can be divided into dynamic control inventory quantity lower limit and dynamic control inventory value quantity lower limit two kinds, the dynamic control stock quantity lower limit, with the cycle pledge same;

??????Dynamic control of the lower limit of the value of inventory, and replacement warehouse receipts pledge the same, to ensure that the value of the corresponding bank claims does not reduce the quality of goods under the supervision.