- Strictly control the access of securities companies
The qualification of the borrower directly determines the safety of bank credit funds. In order to promote the comprehensive governance of securities companies, the China Securities Regulatory Commission has implemented classified supervision on securities companies. According to the six criteria of profitability, return on assets, and depository of customer transaction settlement funds, securities companies are divided into four categories: innovation pilot, standardization, risk, and elimination. In view of this, stock-pledged loans should be limited to innovative pilot and regulated securities firms that meet the loan conditions, focusing on innovative pilot securities firms. At the same time, it is necessary to strictly unify credit management, strengthen the analysis and monitoring of the borrower’s profitability and solvency, and collect relevant information through regulatory authorities, newspapers, magazines, Internet and other media to grasp the borrower’s operating conditions and risks in real time and dynamically situation.
- Improve the management and operation level
The pros and cons of pledged stocks are crucial to safeguarding bank claims. The stocks used for pledge should have good performance, appropriate scale of tradable shares and good liquidity, and the lender shall not accept six kinds of stocks as pledge. In practice, the stocks pledged by securities companies to banks are often not a single stock, but a combination of stocks. This requires banking personnel to have a high professional level, familiar with and master the situation of each stock. To this end, the right to review pledged stocks should be highly concentrated to meet the professional requirements of the review work. In addition, in order to improve efficiency and strengthen risk control, the work of pledge registration, market value monitoring and stock liquidation should also be handled in a centralized and unified manner.
- Strengthen technical support
A bank must have a special business management information system for offering stock-pledged loan business. The system should have the functions of pledged stock transaction processing, risk monitoring and business management, and be used for the management and control of the entire process of stock pledged loans, including the management of customer information and loan contracts, pledge management, transaction fund management, risk control, and loan issuance. , loan recovery, stock market analysis, determination of pledge rate, etc. Relying on this system, the automatic processing of some business links and the automatic control of risk ratio can be effectively realized.