文档介绍：济宁市股权质押贷款案例分析
罗亮森王玉湖刘海东1 作者简介:罗亮森(1963-),男,山东济宁人,中国人民银行济宁市中心支行副行长,高级经济师;王玉湖(1962-),男,供职于中国人民银行济宁市中心支行,高级经济师;刘海东(1971-),女,供职于中国人民银行济宁市中心支行,经济师。
(中国人民银行济宁市中心支行,山东济宁 272019)
摘要:抵押担保难一直是中小企业融资的重要制约因素,股权质押贷款把企业静态的股权变成动态的可用资金,在金融危机大背景下为企业开辟出新的融资渠道。本文以股权质押贷款业务在济宁市的实践为例,对股权质押贷款的操作性和存在风险进行分析,认为股权质押贷款为企业拓宽融资渠道和银行信贷业务的发展提供了巨大空间,是破解中小企业抵押担保难的有效方法。
关键词:股权质押;融资方式;风险
Abstract:The difficulty of mortgage and guaranty is always an important restriction factor for small enterprises' financing. Due to its function of turning the static shares into the dynamic available funds, the loan of share mortgage has e a new financing approach for businesses in the background of financial crisis. This paper takes the practices of the loan of share mortgage in Jining City as an example, analysing the feasibility and risks of the consider that the loan of share mortgage has provided the huge space for the enterprises to broaden the financing channels and for the banks to develop the credit operation. Furthermore, it's also an effective manner to break through the difficulty of mortgage and guaranty during the small enterprises' financing.
Key Words:share mortgage,financing manners;risks
中图分类号: 文献标识码:B 文章编号:1674-2265(2009)11-0041-04
一、引言
近年来,中小企业在我国经济社会发展中发挥着举足轻重的作用。调查显示,目前,我国GDP的50%、工业生产总值的60%、销售收入和出口额的60%、税收的40%和就业岗位的75%来自中小企业。然而,中小企业所获得的金融资源与其在国民经济和社会发展中的地位作用却极不相称,融资难已成为其发展的首要瓶颈,而抵押担保