中小企业在国民经济中发挥着举足轻重的作用,但“融资难、融资贵”的顽疾使它们能够获得的社会融资与其在国民经济中的地位极不相称。为缓解融资难、融资贵困难,商业银行进行了大量探索与实践。其中动产融资是深受银企欢迎的新型融资方式,对缓解中小企业融资难、改善社会融资结构、推动金融创新起到了积极作用,但在发展中也面临着诸多问题。如何拓宽中小企业可抵质押资产范围,开发切合实际、风险可控、规模化应用的动产融资信贷模式,加 Small and medium-sized enterprises play a decisive role in the national economy, but the stubbornness of “financing difficulties and high financing costs” makes the social financing they can obtain extremely disproportionate to their status in the national economy. In order to alleviate the difficulties of financing and financing, commercial banks conducted a great deal of exploration and practice. Among them, movable property financing is a new financing method popular with banks and enterprises. It plays a positive role in alleviating the financing difficulties of SMEs, improving the social financing structure and promoting financial innovation. However, it faces many problems in its development. How to broaden the range of assets that can be pledged by SMEs and develop a real estate financing credit model that is practical, risk controllable and scalable, plus