Some U.S. pawnbrokers are taking liquid assets — literally.
Along with family jewels and fine art they will accept wines as collateral for loans to help ease cash shortages of businesses and people on all rungs of the economic ladder.
“You’d be amazed by how many wealthy individuals have terrible credit ratings,” said Jordan Tabach-Bank, head of Beverly Loan Co. in Beverly Hills, California.
Photo: Bloomberg
照片：彭博社
“And besides, if you go to a bank, it can take weeks or months to get a loan. When we make a loan, it’s usually the same day.”
The pawnshop for the prosperous lends to hedge-fund managers, bankers, lawyers, doctors and even Oscar winners.
USGoldBuyers.com, an online pawnbroker with an office in New York, will also accept fine wines, said spokesman Jose Caba, adding that the rich do not always have liquid assets to keep up with their expensive toys.
British-based pawnbroker, borro.com, recently lent US$120,000 (NT$3.54 million) in exchange for 128 bottles of Chateau d’Yquem, which had an estimated worth of US$250,000 (NT$7.38 million).
Credit Municipal de Paris, which has been offering loans against fine wines, champagnes and aged spirits since 2008, can keep more than 90,000 bottles in its 18th century wine cellar.
(Reuters)
美國有些當鋪現在可以接受「流動」資產。
除了祖傳珠寶與藝術品外，這些當鋪願接受用紅酒當作抵押品，以協助各種經濟地位的企業與個人紓解現金短缺的困難。
「如果你知道多少有錢人的信貸評等其實糟糕透頂，一定會很驚訝，」加州比佛利山的比佛利貸款公司老板塔巴赫班克說。
「此外，如果你向銀行借錢，可能要費時數週或數月才能拿到貸款。如果跟我們借錢，通常當天就能拿到錢。」
富人當鋪會借錢給避險基金經理人、銀行家、律師、醫師或甚至是奧斯卡金像獎得主。
在紐約設有辦公室的網路當鋪USGoldBuyers.com同樣也願意接受高級紅酒當抵押。發言人卡巴說，他強調，有錢人手邊的流動資產不一定都能跟得上他們所愛的昂貴玩具價碼。
英國當鋪borro.com最近就用估計價值約為二十五萬美元（約新台幣七百三十八萬元）的一百二十八瓶伊肯堡名酒當抵押，借出了十二萬美元（約新台幣三百五十四元）。
巴黎市立信用當鋪則自二○○八年起，就開始接受顧客用高級紅酒、香檳及陳年烈酒等當貸款抵押品，其建於十八世紀的酒窖可以存放逾九萬瓶酒。
（路透／翻譯：俞智敏）
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