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因为既可以提高艺术品流动性,又不影响持有者享受艺术品带来的精神愉悦,近些年来,艺术品抵押贷款业务逐渐兴起。相比银行,拍卖行似乎更有先天的优势。随着苏富比在该领域收获颇丰,国内拍卖行也越来越希望打开这一业务疆域,视其为业务创新点和利润增长点。国外银行谨慎艺术品抵押贷款,是以借款人拥有的艺术品为抵押物而发放的贷款,在债务人不履行债务时,抵押权人有权依法在艺术品折价或变卖的价款中优先得到清偿。艺术品贷款的概念大约于20世纪70年代首先在美国兴起。艺术品金融行业资深人士Barbara Chu(Emigrant Bank艺术品金融部联合创始人)今年6月5日,
Because it can improve the liquidity of artwork without affecting the holders’ enjoyment of artistic pleasure, the art mortgage loan business has been gradually rising in recent years. Compared to banks, auction houses seem to have more innate advantages. As Sotheby’s has gained significant traction in this area, domestic auction houses are also increasingly looking to open the territory of this business as a point of business innovation and profit growth. Foreign banks are cautious about art mortgage loans, which are mortgages issued by borrowers with works of art. When the debtor defaults, the mortgagee has the right to be given priority in repaying the price of the artworks for discount or sale according to the law. The concept of art loans first emerged in the United States around the 1970s. Art industry veteran Barbara Chu (Emigrant Bank co-founder of art finance) June 5 this year,