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《物权法》允许应收账款担保融资,增加了我国商业银行信贷业务品种,适应了经济发展的需求。对我国金融、经济的可持续发展具有重要意义,应收账款质押不仅能更好地满足企业,特别是中小企业的融资需要,还有利于改善信贷结构、增强银行竞争能力,繁荣整个金融市场。而健全的金融法律,能较好地保护应收账款当事人的合法权益,降低信贷风险,促进应收账款融资的发展。
“Property Law” allows receivables secured financing, an increase of China’s commercial bank credit varieties, adapted to the needs of economic development. Which is of great significance to the sustainable development of China’s finance and economy. The pledge of accounts receivable can not only better meet the financing needs of enterprises, especially small and medium-sized enterprises, but also help improve the credit structure, enhance the bank’s competitiveness and prosper the entire financial market . A sound financial law can better protect the legitimate rights and interests of the receivables parties, reduce the credit risk and promote the development of receivables financing.