Financial warehousing is a new attempt of financing for small and medium-sized enterprises, which originated in Zhejiang. Small and medium-sized enterprises have their own particularity, such as less mortgaged real estate, and more enterprise funds are occupied by inventory and raw materials, which makes financial warehousing with chattel mortgage as the main service become the best choice for financing of small and medium-sized enterprises.
According to the analysis report "Development Prospect Forecast and Investment Strategic Planning of China Financial Storage Industry" released by Avant-garde. Com, in recent years, the annual value of raw materials, semi-finished products, finished products and accounts receivable of Chinese enterprises has accumulated to more than 16 trillion yuan, of which the standing inventory value is nearly 6 trillion yuan. At present, the scale of bank loans obtained through these chattel pledges is very small. 30% of short-term loans in western developed countries are chattel mortgage loans. In 20 12 year, China's short-term loan was 26815.2 billion yuan, which was 83 1 trillion yuan according to the inventory ratio of 3 1%, while the chattel guarantee ratio was 9.3%, so the scale of 20 12 year was. Then the average annual growth rate from 20 10 to 20 12 is 2%. If it continues to grow at this rate in the future, by 20 17, the amount of chattel mortgage loans will be 0.85 trillion yuan.
The chattel mortgage market has a huge capacity, which greatly promotes the development of financial warehousing industry. According to the analysis of the financial warehousing research group of Prospective Industry Research Institute, it is found that financial warehousing plays an obvious role in promoting the financing of small and medium-sized enterprises in China, which is conducive to helping enterprises to carry out reasonable inventory management.
On the one hand, financial warehousing can promote enterprises to maintain a reasonable inventory level. 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.
On the other hand, financial warehousing also helps enterprises to improve their movable property risk management ability. Financial warehousing business is a third-party professional warehousing activity, which can not only provide banks with professional monitoring information on the value of pledged movable property, but also facilitate bank loan management; At the same time, it can provide movable property price information for loan enterprises, reveal movable property storage risks in time, and help enterprises improve their movable property risk management ability.
I hope my answer is helpful to you.