担保品登记、公示、管理是发展中国家在金融基础设施或制度安排中存在的主要缺陷之一,这一缺陷的存在,给小微企业的贷款和经济活力带来了很大的制约,应当引起足够的重视。近段时间在国内多地发生的钢贸信贷风险事件的损失是巨大的。这里既有银行风险管理不到位的原因,但更重要的原因是国内动产抵(质)押权登记公示制度和担保品(collateral)管理公司监管存在制度缺陷。世界银行集团国际金融公司(IFC)的专家一直致力于这方面的工 The registration, publicity and management of collateral are one of the major shortcomings in developing countries’ financial infrastructure or institutional arrangements. The existence of such defects poses great constraints on the lending and economic vitality of small and micro-enterprises, which should Caused enough attention. Recent losses in the steel trade credit risk incident that occurred in many places in China were huge. Here are the reasons why bank risk management is not in place, but the more important reason is that there are system defects in the system of registration and registration of domestic movables and the regulation of collateral management companies. Experts from the IFC of the World Bank Group have been working in this area