质押作为担保的主要方式之一,具有简便快捷、节约成本等优点,但由于其权利客体的不确定性,使得该项业务在发展过程中面临着一系列特殊的问题,需研究解决。一、质押贷款业务面临的问题(一)合格押品有限。例如,占企业流动资产较大比重的应收账款未纳入质押 As one of the main ways of guarantee, pledge has the merits of being simple, quick and cost-saving. However, due to the uncertainty of its right object, the business faces a series of special problems in the development process and needs to be studied and solved. First, the pledge of the loan business problems (A) qualified collateral is limited. For example, account receivables that account for a large proportion of the Company’s current assets are not included in the pledge