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动产融资模式创新
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创新动产融资模式 盘活企业存量资产
Sou Hu Cai Jing· 2025-11-28 03:42
Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Huzhou Branch has successfully issued over 7 million yuan in loans to a financing leasing company through the unified registration and public announcement system for movable property financing, marking a breakthrough in innovative financing services [1] Group 1: Innovative Financing Model - The new business model transforms idle assets into credit, addressing the financing difficulties faced by small and medium-sized enterprises (SMEs) due to insufficient collateral [1] - The financing leasing company rents production equipment to a manufacturing enterprise, creating long-term leasing receivables that are then pledged to ICBC for loan acquisition [1] - This model reduces reliance on real estate collateral, converting movable assets into pledgeable "credit assets," significantly enhancing asset utilization [1] Group 2: Risk Management and Platform Support - The unified registration and public announcement system for movable property financing plays a crucial role in supporting the business, allowing ICBC to verify the ownership status of leasing receivables in real-time [1] - The platform helps avoid the risk of double pledging and provides institutional guarantees for financial institutions to lend confidently [1] - ICBC Huzhou Branch plans to continue deepening innovations in movable property financing services, leveraging the registration system to inject more financial resources into economic development and support the rapid growth of SMEs with "light asset" strategies [1]