Risk Control Research On Assets Pledged Loan Of Seedling In Landscaping Company

China has proposed Building Society with a Friendly Environment and Thorough Implementation of Environment Protection in its12th5-year planning, from which Landscaping industry in China got into new period of development. Therefore, assets pledged loan based on seedlings can be considered as good opportunity for both commercial banks and landscaping companies. However, due to specific reasons in either side, such loan business is still running in a low level. As the seedling assets is categorized as chattel or stock, writer took research on assets pledged loan of both chattel and stock based on previous work, and found best practice that Assets Pledged Loan of Seedling can refer to and further develop.Writer has analyzed the finance of whole landscaping industry, especially those risk control requirements by banks, focused on4major risks that may exist in Assets Pledged Loan of Seedling, including operation risks, valuation risks, regulatory risks and liquidation risks, then initiated root cause addressing and solutions.For operation risks control, writer proposed pledged loan process for seedling assets and detailed implementation plan.For valuation risks control, writer addressed that the defect in seedling assets valuating process was caused by the absence of standard system and open market for seedling assets. So it is time to establish a standard system as well as multi-channel market, control valuation risks from3rd valuation company, valuation criteria and valuation cost.For regulatory risks control, writer suggested detailed action plan that utilize3rd party supervising, bank supervising and post-loan management outsourcing service For liquidation risks control, enhancing the assets pledging management in pre-loan phase, cooperating with auction company and industry associations for action plans of liquidation, standardizing operation process of auction.Through the discussion of risk control on Assets Pledged Loan of Seedling in Landscaping Company, writer is seeking an effective approach to reduce the difficulty in finance of landscaping company, and also to expand the bank credit market with new business...