上海銀監局調研轄內銀行質押融資業務
Date: 2014-10-15
News Type:
上海銀監局正在對轄內銀行業金融機構質押融資業務進行調研，要求轄內銀行上報截止今年9月末的質押貸款和知識產權質押貸款業務數據，以及管理和風險情況等。根據銀監會法規部要求，上海銀監局現就開展質押貸款業務情況進行調研。對於資產規模小、可抵押物不足又具有技術創新性的中小微企業而言，質押融資採用較多。如果對知識產權質押融資能提供更好的融資便利，顯然對中小微企業相對有利，這樣符合國務院相關檔精神。
上海銀監局要求，在滬銀行上報質押貸款業務的總體情況，數據截止到2014年9月末，法人銀行統計上海轄內數據，具體包括：質押貸款的總額（餘額，下同），不良質押貸款與額、擔保貸款總額以及貸款總額；質物種類（知識產權、倉單、信用保險保單、股權等），各類質物質押貸款餘額、質押物價值、不良貸款餘額；質押貸款借款人情況：各類質物質押貸款的主要借款人有哪些（國有企業、中小企業、高新技術企業、個人等）。
上海銀監局並要求，在滬金融機構上報知識產權質押貸款情況（數據截至2014年9月末），包括知識產權質押貸款餘額、擔保物價值、不良貸款餘額，各類知識產權質押貸款餘額、擔保物價值以及不良貸款餘額；採用組合擔保或僅以知識產權作擔保的貸款情況，採用組合擔保的，分別用哪些擔保方式等。(新聞來源：搜狐新聞）
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