论应收账款质押融资的风险与防范

应收账款质押融资以其独特的融资优势,能有效地盘活企业的应收账款,为解决中小企业融资提供了有效的途径。针对应收账款质押融资对中小企业的适用性及在操作流程和国家在应收账款质押登记上存在的风险,提出建立应收账款的监控体系,完善应收账款质押的登记公示制度,以促进其对中小企业融资的积极作用,加强银行对应收账款质押业务创新,实现企业和银行的有效对接,促进国民经济的稳步发展。

Risk and Prevention of Accounts Receivable Mortgage Financing

With its unique financing advantages, accounts receivable mortgage financing can effectively activate the enterprise accounts receivable, and provide effective ways for solving the financing of small and medium-sized enterprises. According to the applicability of accounts receivable mortgage financing for small and medium-sized enterprises and the risk existing in its operation flow and in the national accounts receivable mortgage registration, this paper puts forward the establishment of accounts receivable monitoring system and improves the public registry system of accounts receivable mortgage in order to promote the positive role of small and medium-sized enterprises financing, strengthen the bank＇ s innovation on accounts receivable mortgage, realize the effective docking between the enterprise and the bank, and then promote the steady development of national economy.