Inventory pledge can effectively solve the problem of enterprise guarantee. When an enterprise has no fixed assets as collateral and can't find a suitable guarantee unit to guarantee, it can use its own inventory as collateral to obtain loans from banks. "Inventory pledge has alleviated the short-term liquidity shortage caused by large commodity inventory." Lender analysis. According to the above-mentioned lender, the inventory pledge financing business is a movable property pledge business involving logistics enterprises. Because the inventory pledge business involves the interests of warehousing enterprises, shippers and banks, it needs a set of rigorous and perfect operation procedures. First, the owner (borrower) signs a bank-enterprise cooperation agreement and an account supervision agreement with the bank; The warehousing enterprise, the consignor and the bank sign a warehousing agreement; At the same time, the warehousing enterprise signed an irrevocable letter of guarantee with the bank to assist in exercising the pledge. Secondly, the consignor delivers the goods to the designated warehouse according to the agreed quantity, and the warehousing enterprise confirms to open the special warehouse receipt after receiving the notice; On the spot, the owner made a pledge endorsement on the special inventory warehouse receipt, and after the warehouse signed it, the owner submitted it to the bank to apply for the inventory pledge loan. Secondly, after the bank reviews, it signs a loan contract and an inventory pledge contract, and lends money to the supervision account opened by the owner in the bank according to a certain proportion of the inventory value. Finally, when the normal sales are realized during the loan period, the full payment will be transferred to the supervision account, and the bank will issue a sub-bill of lading to the owner according to the received amount, and the warehouse will deliver the goods after verification according to the agreed requirements; After the loan is returned at maturity, the balance can be controlled by the owner (borrower). The above-mentioned lender reminds the enterprise that the inventory pledge must have the following characteristics: clear property rights; Physical and chemical properties are stable; Stable price, active market and easy realization; The specification is clear, easy to measure, and there is a clear basis to determine the actual value. Generally speaking, the financing amount of inventory pledge can adopt different pledge rates according to the different situations of the applicant and the goods, and the maximum amount does not exceed 70% of the total value of the pledged inventory. At the same time, the inventory pledge financing business can take a variety of financing forms, including short-term loans for working capital, bank acceptance bills, comprehensive credit, bank payment guarantees and other varieties.