1. The pledge category is different. Under the inventory pledge mode, the financier entrusts the tangible goods to the supervision enterprise for safekeeping on behalf of the funder, which belongs to the category of chattel pledge; under the warehouse receipt pledge mode, the financier directly entrusts the warehouse receipt recording the ownership of the stored goods to the funder for possession and pledge, which belongs to the category of right pledge;

2. The credit requirements are different. Under the inventory pledge business, the supervision enterprise bears the supervision responsibility;

3. The acceptance dynamic mode is different. Under the inventory pledge business, the financier can exchange goods freely as long as it meets the relevant requirements.

What are the characteristics of warehouse receipt pledge business

1. It is mostly applicable to commodity circulation enterprises;

2. Effectively solve the problem of enterprise guarantee. When the enterprise has no fixed assets as collateral and can't find a suitable guarantee unit to guarantee, it can obtain loans from the bank with its own warehouse receipt as pledge;

3. Alleviate the short-term liquidity shortage caused by inventory goods;

4. Goods under pledged warehouse receipts are allowed to turn around, which can be replaced by bank deposits or warehouse receipts.

Legal basis: Article 668 of the Civil Code of the People's Republic of China

A loan contract shall be in written form, unless it is otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.