deposit warrant的意思|示意

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Deposit warrant（存货凭证）是一种金融机构出具的质押担保凭证，其前提条件是本金钱已经存入金融机构余额账户中。

Popularly speaking, deposit warrant is an assurance that a certain deposit is made into a certain bank account. Generally it is also known as \\"Parallel Financing\\" or \\"Accountant Financing\\", which usually follows the following process:

1. The borrower deposits a sum of money into a financial institution and obtains a deposit warrant;

2. The financial institution keeps the deposit warrant as a guarantee against default by the borrower, and at the same time the borrower can use this sum of money to repay loans, finance business, or meet other demands;

3. When the borrower defaults, the financial institution can use the deposit warrant as evidence to sue for the debt.

Deposit warrant is widely used in financing for small and medium-sized enterprises as a kind of financial support. It is widely used in commercial banking, trust, asset management, and other fields. Its advantages are:

1. Low cost: compared with other forms of guarantee, the cost of using a deposit warrant is lower;

2. Flexible and convenient: Compared with the time-consuming bank loans, deposit warrant is simpler and more convenient;

3. High security: The deposit is kept in the financial institution, which is more secure and reduces the risk of default.

In conclusion, deposit warrant is a kind of pledge guarantee place by both parties, which is beneficial to the borrowing credit of SMEs and helps to reduce the financial expenses of the borrowers.