A Study On Pledge On Charging Business Of ICBC,Subsidiary Fuxin

As the global financial integration and the financial market in China are gradually perfect and development,state-owned commercial bank credit amount and business profit decrease.Countries vigorously carry out financial reform at present stage,the commercial Banks actively develop expansion innovation to the loan,on the premise of guarantee credit risk,seeking more profit space is important.Tentative innovative design of Fuxin branch of industrial and commercial bank was carried out to handle the difficulties encountered in the process of bank credit operations,so as to increase total loan and profit maximization.Commercial bank’s credit innovation also can reduce the financing threshold and financial costs and promote the development of small and medium-sized enterprises.Based on asymmetric information,difference competition and the core competence theory,the industrial and Commercial Bank of Fuxin branch bank case analysis,industrial and Commercial Bank of China Fuxin branch enterprises solve the financing problem,the toll right pledge loan business case.Describes the case of enterprise assessment process is slow,lack of collateral problems,as well as industrial and Commercial Bank of China Fuxin branch through the field investigation,analysis of financial data and mining new collateral to solve the problem.According to the in-depth analysis of the case,summed up the evaluation process innovation,pledge of the reform and the characteristics of the collection of fees for the design of the case,such as the value of the case.At last,the author puts forward the policy suggestions to solve the mortgage loan business of ICBC.