标准仓单

我国的标准仓单质押贷款仍处于发展的初始阶段，相关的业务机制和操作流程并非十分成熟。

Due to the embryonic stage in which the standard warehouse receipt hypothecation loan in China stays , the relevant business mechanism and procedures are not quite mature .

在实施贷款时，贷款金额应占标准仓单价值的多少比重，即质押率为多少，银行通常是依靠经验给出一个固定值。

In the pricing of the loan , banks will set down some fixed value by experience to determine loan-pledge rate , which is the ratio of the amount of loan to the value of standard warehouse receipt .

而对现有标准仓单的综合利用，则可以有效改善期货市场投资人的资金运用效率，从而使金融市场具有更高的运行效率。

A comprehensive utilization of the present standardized warehouse receipts can effectively raise the money utilization efficiency of futures market investors , hence having a higher operation efficiency of the financial market .