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商品融资是商品合法所有人基于真实的贸易和生产背景,以其未来或已持有的商品进行质押,向银行申请短期融资的业务。商品融资对于融资各方而言,都具有积极意义:对于融资方而言,由于商品融资业务担保物范围的拓宽,使企业特别是中小企业的融资需求能够得到更好地满足;对于银行而言,通过办理质押、设置质物监管等方式,可以较好地控制融资业务风险。随着商品融资业务的开展,如何防范业务办理过程中的相关法律风险也日益受到重视。本文从一笔商品融资业务案例入手,在对商品融资业务流程及其法律风险因素进行分析的基础上,提出相应的风险防控意见和建议,以期能够促进商品融资业务的健康发展。
Commodity financing refers to the business where the legal owner of a commodity applies for short-term financing from a bank on the basis of a real trade and production background and pledges the commodity he or she holds in the future. Commodity financing has positive significance for all parties involved in financing: for the financing side, the financing needs of enterprises, especially small and medium-sized enterprises, can be better satisfied due to the broadening of the collateral of commodity financing business; for banks , By handling the pledge, set the quality control, etc., can better control the financing business risk. With the development of the commodity financing business, how to prevent the related legal risks in the process of business handling is also paid more and more attention. This article starts with a case of commodity financing business. Based on the analysis of commodity financing business process and its legal risk factors, the paper puts forward corresponding risk prevention and control opinions and suggestions in order to promote the healthy development of commodity financing business.