中小企业信用级别低、可抵押固定资产普遍较少,难以得到大企业提供的担保,因此要获得银行提供的融资服务仍然很难。动产质押或存货融资作为抵押担保的主要方式,适用于中小企业融资,如果由于经营上的要求,需要使用被质押的资产,经质权人同意,可以在金额控制下更换质物保证生产经营的需要。 SMEs have low level of credit, generally less fixed assets can be secured, it is difficult to get the guarantee provided by large enterprises, so access to financing services provided by banks is still difficult. Movable pledges or inventory financing as the main method of collateral for SMEs financing, if due to operational requirements, the need to use the pledge of assets, with the consent of the pledgee, you can change the amount under the control of quality assurance production and operation need.