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一段时间以来,在以常熟服装城为代表的大型专业市场中,部分商业银行开展了俗称为商铺经营权质押贷款业务(各银行对此业务的定性和称谓有差别),有效满足了专业市场内大量小微企业的融资需求。但因为该类担保在行业政策层面和法律层面均缺乏相应规范,所隐含的系统性风险不容忽视。江苏省苏州市中级人民法院就此问题组成课题组进行调研,探讨以司法手段服务小微企业融资,防范银行风险,从规范层面进一步促进此类新型担保方式的健康长远发展的问题。
For some time now, in the large-scale specialized market represented by Changshu Clothing City, some commercial banks have carried out the pledge loan business commonly known as shop operation right (the banks have different qualifications and appellations of this business), effectively satisfying the needs of the professional market Large number of small and micro enterprises financing needs. However, due to the lack of corresponding norms of such guarantees at the policy and legal levels in the industry, the hidden systemic risks can not be ignored. The Intermediate People’s Court of Suzhou Municipality, Jiangsu Province, conducted a research on this issue group to discuss ways to serve the financing of small and micro enterprises by judicial means and guard against bank risks, and to further promote the healthy and long-term development of such new forms of guarantee from a normative level.