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仓单质押贷款业务违约风险补偿率研究
引用本文:王凤鸣.仓单质押贷款业务违约风险补偿率研究[J].青岛远洋船员学院学报,2011,32(1):13-16,30.
作者姓名:王凤鸣
作者单位:中国海洋大学;青岛远洋船员职业学院,山东青岛266071
摘    要:确定违约风险补偿率是商业银行在贷款业务中确定贷款利率时的一项核心工作。本文通过对设定质押的仓单项下货物的担保能力及相应的违约风险进行分析研究,借鉴企业信用等级的划分,确定不同货物的违约风险补偿率,从而确定银行贷款利率。

关 键 词:违约风险补偿率  质押物  担保能力

Study on Rate of Risk Compensation under Breach of Contract for Loan against Warehouse Receipt Pledge
WANG Feng-ming.Study on Rate of Risk Compensation under Breach of Contract for Loan against Warehouse Receipt Pledge[J].Journal of Qingdao Ocean Shipping Mariners College,2011,32(1):13-16,30.
Authors:WANG Feng-ming
Institution:WANG Feng-ming1,2(1.Ocean University of China,2.Qingdao Ocean Shipping Mariners College,Qingdao 266071,China)
Abstract:Defining the rate of risk compensation under breach of contract for loan is a core task of adjusting rate of loan.Studying on power of warranty & risks of breach of contract under loan against Warehouse receipt pledge and learning from classifications to credits of enterprises,the essay makes out the different rates of risk compensation under breach of contract,and rate of loan.
Keywords:rate of risk  compensation under breach of contract  property of pledge  power of warranty  
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