Shandong Bisheng Printing Materials Co,Ltd.Chattlel Mortgage Case Studies

Since the reform and opening up, the small and medium-sized enterprise hasobtained the rapid development, is playing an increasingly important role in our nationaleconomy, especially in the tax revenue, employment, have a huge contribution to scienceand technology innovation etc. But the financing difficulties of SMEs is a worldwideproblem, small and medium-sized enterprises in the development of shortage of funds.But it is hard to financing,mainly rely on its own funds.In recent years the developmentof real estate financing, solve the lack of credit system in the state, the informationasymmetry between banks and enterprises, many small and medium-sized enterprisesobtain the commercial bank loans. It is timely assistance, solution as pressing danger.Chattel mortgage financing refers to the financing needs of enterprises will be its ownlegal, market, price fluctuations of smaller, in the normal trade goods pledged to the bank,so as to obtain credit and banks to entrust the third party supervision companyconfrontation matter in daily supervision work. Since this pledge of movables financingbusiness that makes full use of the small and medium-sized enterprise temporarily idlereal estate resources, revitalize the enterprise funds; it broke the single bank credit model,expanding the bank’s business scope, increase profitability; at the same time alsopromoted the development of emerging industries is the third party supervision company,to achieve the enterprise the third party supervision company, bank, the three win-win,and promote the sound development of their resepective. Chattel mortage business topromote the development of China’s economic development, have a significant role insolving the financing of small and medium-sized enterprise, the development prospectsof good.This paper mainly Shandong Bisheng printing materials Co.Ltd.of chattel mortgageas an example, the feasibility analysis in the process of financing,and the existence ofrisk,and how to control the risk right after the other small and the medium-sizeenterprise chattel has great significance to pledge financing and chattel pledge financingbusiness development.This paper mainly takes the case analysis, first introduced the research backgroundand the writing significance, then the chattel mortgage is a new business, a lot of commercial bank and enterprises do not understand,so the second part of this paperintroduces the related knowledge of the chattel pledge. The third part is the overview ofShandong Bisheng printing materials Co, Ltd. Business, financing needs and solutions.The second is the case analysis and risk control, finally makes the summary to thisarticle.