陶瓷文化产业投融资体系的商业信用及货币市场创新

以赊账和赊销为代表的"口头信用"和"挂账信用"等商业信用广泛存在,但却存在先天不足,商业信用的票据化在一定程度上解决了这个问题。创新银行信用,商业银行必须强化差异化经营,深度融合陶瓷文化特色。可在无形资产估价、半成品估价基础上开展质押贷款业务。加强对民间信用的管理和引导,对民间信用进行"窗口指导"与契约化管理,发挥地方性商业银行对民间信用资金的吸附能力。

The commercial credit of ceramics culture industry on investing and financing system and innovation of monetary market

As representatives of verbal credit and on-account credit, commercial credit has been widespreading, but there still exists an inadequate natural endowment. To some degree, the commercial credit notes solved this problem. In order to innovate the bank credit, the commercial banks must strengthen diverse managements; deeply merge ceramic culture characteristics. on the bases of intangible assets evaluation and semi-finished products evaluation, the bank can also carry out the pledge loan to strengthen the management and guidance of private credit. Applying window guidance and leasing management, local commercial banks can play a role in adsorbing folk credits.