授信(xin)(xin)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)模(mo)式是(shi)以金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)為(wei)中心建立(li)一(yi)(yi)(yi)個融(rong)(rong)(rong)(rong)質押(ya)(ya)商品倉(cang)儲(chu)(chu)(chu)(chu)(chu)與監(jian)(jian)管(guan)、價值評估、融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)保、商品處置為(wei)一(yi)(yi)(yi)體的(de)(de)(de)(de)綜合(he)性服務(wu)平臺。授信(xin)(xin)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)業(ye)(ye)(ye)(ye)(ye)務(wu)與倉(cang)單(dan)質押(ya)(ya)、動產質押(ya)(ya)監(jian)(jian)管(guan)等業(ye)(ye)(ye)(ye)(ye)務(wu)有(you)所(suo)不同，倉(cang)單(dan)質押(ya)(ya)等業(ye)(ye)(ye)(ye)(ye)務(wu)是(shi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構將資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)放貸給中小(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)，而授信(xin)(xin)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)業(ye)(ye)(ye)(ye)(ye)務(wu)則(ze)是(shi)指金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構根據倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)財務(wu)狀況、經營成果和現金(jin)(jin)(jin)(jin)流量(liang)，以及(ji)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)規(gui)模(mo)信(xin)(xin)用程(cheng)度等授予(yu)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)一(yi)(yi)(yi)定(ding)的(de)(de)(de)(de)信(xin)(xin)譽額度。金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)利用金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構授權的(de)(de)(de)(de)這些(xie)信(xin)(xin)譽額度向需要融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)的(de)(de)(de)(de)中小(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)靈活地進(jin)行(xing)質押(ya)(ya)貸款，金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)對融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)質押(ya)(ya)給金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)質押(ya)(ya)物進(jin)行(xing)全程(cheng)監(jian)(jian)管(guan)，而金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構則(ze)不參與質押(ya)(ya)業(ye)(ye)(ye)(ye)(ye)務(wu)的(de)(de)(de)(de)具體運(yun)作過(guo)程(cheng)，在這個過(guo)程(cheng)中金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)除(chu)了(le)具有(you)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)功能外還增加了(le)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構的(de)(de)(de)(de)功能，相應地也為(wei)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構承擔(dan)(dan)(dan)了(le)一(yi)(yi)(yi)定(ding)的(de)(de)(de)(de)風險，同時為(wei)一(yi)(yi)(yi)些(xie)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)特別是(shi)一(yi)(yi)(yi)些(xie)資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)需求量(liang)很少、時間很短的(de)(de)(de)(de)小(xiao)微型企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)提供了(le)一(yi)(yi)(yi)種非常方便(bian)的(de)(de)(de)(de)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)方式，當然金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)增加了(le)利潤。但是(shi)在中國現行(xing)的(de)(de)(de)(de)法律框架下，金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)不能從事金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)業(ye)(ye)(ye)(ye)(ye)務(wu)，所(suo)以在實現中，往往是(shi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)公司提供擔(dan)(dan)(dan)保，融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)將質押(ya)(ya)品質押(ya)(ya)給金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)倉(cang)儲(chu)(chu)(chu)(chu)(chu)公司反擔(dan)(dan)(dan)保來進(jin)行(xing)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)的(de)(de)(de)(de)。授信(xin)(xin)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)模(mo)式的(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)務(wu)流程(cheng)如圖7-2所示。

　　1.金(jin)融(rong)(rong)機構根(gen)據金(jin)融(rong)(rong)倉儲(chu)(chu)公司的(de)綜合(he)情況與(yu)金(jin)融(rong)(rong)倉儲(chu)(chu)公司簽訂《貸款協(xie)議》并給(gei)予金(jin)融(rong)(rong)倉儲(chu)(chu)公司一定額度的(de)貸款。在(zai)這個過(guo)程中，要求倉儲(chu)(chu)企業提供稅(shui)務登記(ji)證，營業執照，銀行賬戶(hu)資(zi)料，最近三到五年(nian)的(de)經過(guo)審計的(de)資(zi)產負債表，利潤表和(he)現金(jin)流量表，以及(ji)(ji)款及(ji)(ji)報表輔(fu)助(zhu)等。

　　2.融(rong)資企(qi)業(ye)將質押物放到金(jin)融(rong)倉(cang)儲公司制定(ding)的(de)倉(cang)庫，由金(jin)融(rong)倉(cang)儲企(qi)業(ye)進行監(jian)管服務，并與金(jin)融(rong)倉(cang)儲企(qi)業(ye)簽(qian)訂《借款協議》與《貨物質押合(he)作協議》。根(gen)據(ju)質押物的(de)價值按照一定(ding)的(de)比例將資金(jin)貸給融(rong)資企(qi)業(ye)。

　　3.融資企(qi)業根據自身的經(jing)營情況一次或者分次將資金還給倉儲企(qi)業。

　　4.金(jin)融倉(cang)儲企(qi)業(ye)根據融資(zi)(zi)企(qi)業(ye)的資(zi)(zi)金(jin)歸還情(qing)況，給融資(zi)(zi)企(qi)業(ye)發放提貨單(dan)，并通知倉(cang)庫準(zhun)予放貨。

　　5.金(jin)融倉儲企業(ye)將(jiang)收(shou)回的資金(jin)重新放貸給其他的中小企業(ye)，或(huo)者到期后將(jiang)資金(jin)歸還金(jin)融機構(gou)。