Standard warehouse receipt pledge loan refers to the short-term working capital loan business that the borrower applies to commercial banks for normal production and operation turnover with its own standard warehouse receipt registered in the futures exchange as pledge.

Standard warehouse receipt pledge loan is the internal demand for commercial banks to seek new profit growth points. Developing standard warehouse receipt pledge loan is beneficial for commercial banks to avoid operational risks. The existence of financial risks will promote the development of pledge financing and provide a good opportunity for improving the structure of credit assets. Secondly, the development of standard warehouse receipt pledge loans is conducive to commercial banks to expand new profit growth points. The standard warehouse receipt has the characteristics of good circulation and high value.

Standard warehouse receipt pledge loan belongs to a kind of warehouse receipt pledge loan, but the pledged subject matter is standard warehouse receipt. Due to the characteristics of standard warehouse receipt itself and the adjustment of traditional operation mode when considering market demand factors in product design, standard warehouse receipt pledge loan is easier to control risks and closer to the market than non-standard warehouse receipt pledge loan.