The appearance of this model provides a guarantee for banks to carry out chattel mortgage loan business, reduces the credit risk of banks, improves the profit space of banks, and also opens up a new world for financing of small and medium-sized enterprises, which plays a positive role in revitalizing the stock of small and medium-sized enterprises, avoiding related guarantee risks and broadening financing channels.
Financial warehousing is different from general warehousing, which has the functions of storage, distribution, storage and maintenance. Financial warehousing is a professional warehousing activity serving financial business, and it is a cross-innovation between finance and warehousing.
Extended data:
For small and medium-sized enterprises, due to the difficulty of bank loans and the shortage of funds, their inventory (mainly raw materials) often cannot reach the optimal theoretical inventory level. Small inventory makes the production cost of enterprises more vulnerable to market price fluctuations, which increases the business risk of enterprises.
Financial warehousing helps enterprises to obtain inventory mortgage loans, and helps enterprises to improve inventory levels and reduce operational risks without significantly increasing capital occupation. At the same time, as a professional third-party warehousing enterprise, it can provide relatively comprehensive inventory price information to help borrowing enterprises make reasonable inventory decisions.
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