贷款质押

动态物流监管模式下贷款质押率研究

Research on Loan-to-Value Ratios in the Mode of Dynamic Logistics Supervision and Control

股票作为贷款质押物之思辨

Thinking and Debating about the Stock as Loan Pledge

本文设计出了一系列仓单质押贷款质押率的判断指标，其目的就在于对仓单质押贷款业务的风险进行有效的控制，相对地降低风险。

A series of warehouse judgment target for valid control of hazard are designed out , cutting down the hazard relatively .

于是，论文得出了基于银行统一授信和价格波动率博弈分析下的不同仓储策略的仓单质押贷款质押率计算模型。

Thus , based on Bank-Integrated-Credit and Game-Analysis model of price fluctuation-law and different warehouse strategies , a computing model of loan-pledge-rate is concluded .

中小物流企业仓单质押管理模式探讨动态物流监管模式下贷款质押率研究

Study on the warehouse receipts pledge Management model in Small / medium-sized Logistics Enterprises Research on Loan-to-Value Ratios in the Mode of Dynamic Logistics Supervision and Control

许多中国券商收紧了融资条件，要求在计算为获得保证金贷款而质押的证券的面值时，计入更大幅度的折让。

Many Chinese securities brokerages have tightened margin lending requirements , requiring bigger haircuts on the face value of securities pledged for margin loans .

并将这种方法用于计算我国上海股票市场的股票组合7天贷款的质押率。

Further more this method was applied to Shanghai stock market in China to calculate the impawn rate of a portfolio in 7 dates duration under a specific confidence level .

近年来，随着银行业竞争的升级，各家银行不断开拓新的信贷市场，学校、医院等公益性事业单位用其收费权和账户为贷款作质押担保的情况时有发生。

In recent years , with the upgrade of the competition among banks , each bank has been increasingly developing the credit market , and public service sectors such as schools and hospitals sometimes hypothecate the charges right and the accounts for loans .

第二，资金用于贷款，包括质押贷款和委托贷款；投资中长期企业债券和金融债券等。

Second , we could use the account funds for the loan , including pop loan and entrust loan and invest in the long-term business enterprise bond and financial bond etc.

控制方法通常是设定合理的质押率，即按贷款期初质押物价格的一定比例确定贷款额度。

The common way of controlling the price risk is to setup a pledge rate , that is , to fix a proper loan rate according to a certain percentage of the initial price of mortgage item .

第二，在担保贷款中，只有质押担保形式才为银行所认可和注重，可起到降低资金价格的作用；

Second , only pawn can reduce the price of credit .

论贷款中的权利质押

The Pledged Right in Loan Granting

股票质押贷款作为金融资产质押贷款的一种方式，与一般贷款业务相比，其风险点多、管理难度大的特点更加突出。

Stock mortgage loan which is one form of financial assets-mortgage loans faces more credit risk , compared with common loans .

中小企业较低的信用度使其很难向银行贷款，而存货质押融资较好的解决了这一难题。

It is difficult for small and medium sized enterprises with low credit to obtain capital from the banks , but this problem can be solved well by inventory financing .

并由敏感性分析说明相关因素对质押率的影响程度。最后，基于投资组合管理的思想，对同一贷款企业的多种质押商品确定统一的质押率。

Influence degrees of correlative factors are described by sensitivity analysis . Finally , on the basis of portfolio management , the dissertation suggests using uniform loan-to-value ratio when one corporation owning several kinds of inventories .

股权相关贷款是指可转换为股权的贷款，或可以以股权作抵押的贷款。质押合同自权利凭证交付之日起生效。

Equity related loans are loans convertible into equity ownership or loans collateralized with equity positions . The pledge contract shall become effective upon the delivery of the document of title .