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农发行江苏省分行于2014年初提出以库存动产抵押的方式实现贷款债权的物权化,通过法律手段保护库存安全,进而降低贷款风险,促进业务有效健康发展。从实践情况看,这一制度得到了粮棉主管部门和企业的一致认可。为进一步加强贷后库存监管,有效防范库存风险,农发行江苏省分行在充分调研和试点的基础上,于2014年10月初全面推行动产抵押登记制度,实现债权物权化管理,以法律手段保障库存安全。截至10月末,已办理动产抵押粮油库存21.16亿公斤,皮棉17.3万担,分别占应办理动产抵押库存的72%和71%,库存动产抵押登记工作有序推进。
In early 2014, the Agricultural Development Bank branch in Jiangsu Province proposed to realize the property rights of loan claims by means of mortgage on movable stock, and to protect the inventory safety through legal means, so as to reduce the loan risk and promote the business to develop effectively and healthily. From a practical point of view, this system has been unanimously approved by grain and cotton authorities and enterprises. In order to further strengthen supervision of post-lending stocks and effectively prevent inventory risks, on the basis of full investigation and pilot projects, the Agricultural Development Bank of Jiangsu branch fully implemented the registration system for movable property mortgage in early October 2014 to realize the realty management of claims and guarantee by legal means Stock safety. As of the end of October, it had handled 2.16 billion kilograms of grain and oil stocks and 173,000 lint lint of movable property, accounting for 72% and 71% of the total amount of movable property mortgages, respectively. The registration of movable property mortgages was proceeding in an orderly manner.