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商品融资业务拓宽了企业融资渠道,有利于企业存货资产和资金周转,近年来发展迅速。在商品融资业务中,动产质押监管是商品融资的主要担保方式,也是贷款行担保权益能否得到保障的重要环节。实务中动产质押监管纠纷主要针对监管公司应承担何种赔偿责任,根源在于没有准确界定银行与监管公司的法律关系。本文结合不同监管模式分析银行与监管公司形成的不同法律关系,探讨不同法律关系对质权设立及质物担保价值的影响,并从实务角度为银行如何防控法律风险提出对策建议。
Commodity financing business to broaden the channels for corporate financing is conducive to business inventory assets and cash flow, rapid development in recent years. In the commodity financing business, supervision of chattel pledge is the main guarantee for commodity financing, and it is also an important part of whether the guarantee rights of loan lenders can be guaranteed. Practice in real estate pledge regulatory disputes mainly for regulatory companies should bear the liability for compensation, the root cause is not accurately defined the legal relationship between banks and regulatory companies. Based on different regulatory models, this paper analyzes the different legal relations between banks and supervisory companies, discusses the influence of different legal relations on the establishment of pledge and the value of the pledge of goods, and puts forward countermeasures and suggestions for banks on how to prevent and control legal risks from the practical point of view.