银行艺术品质押贷款业务风险探析

银行艺术品质押贷款业务为融资者提供了一条新的融资渠道,但由于艺术品及艺术品市场的特殊性,该类业务存在操作风险、市场风险、流动性风险等诸多风险,究其原因,主要有艺术品鉴定评估市场不规范、艺术品价值增值的长期性与银行资金回笼的短期性矛盾、艺术品保险市场不完善以及银行内部风险控制措施薄弱等等,应从国家层面、银行层面两个层次入手防范银行艺术品质押贷款业务中的风险。

Risk Analysis on Bank Art Pledge Loan Business

Bank art pledge loan business provides a new financing channel for issuer, but because of art and the art market＇s particularity, this business has operational risk, market risk, liquidity risk and some other risks. There are some basically reasons such as art value appraisal market＇s non-standard, conflicts between art appreciation of long-term funds and bank of the short-term, imperfect art insurance market and bank internal risk control measures weak, and so on. We should prevent risks in bank art pledged loans business from both national level and the bank level.