It can be handled through the following processes: submitting audit materials, evaluating loans, signing contracts, and handling pledge grades.

Loan, repayment of principal.

After reviewing the authenticity of the data, the lending institution needs to review and analyze the borrower's credit risk and financial tolerance according to the borrower's repayment and mortgage loan amount.

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Stock (English name: Stockcollateralloans) refers to a loan method for securities companies to obtain funds from commercial banks with self-operated stocks, securities investment fund bonds and convertible bonds of listed companies as pledges. The stock pledge rate shall be agreed with the borrower by the lender according to the quality of the pledged stock and the borrower's financial and credit status, but the stock pledge rate shall not exceed 60% at most. The adjustment of the upper limit of pledge rate is decided by the People's Bank of China and China Banking Regulatory Commission.

Banks lend money to operators. The borrower takes the proprietary securities as the pledge guarantee, and the pledges are the specified shares of listed companies, securities investment fund bonds and convertible bonds.

Securities companies established in accordance with the law and managed by China Securities Regulatory Commission may apply to local branches of banks for stocks. The specific conditions that the borrower should meet include:

(1) The assets have sufficient interest payment capacity;

(2) The self-operated business meets the relevant risk control ratio stipulated by the China Securities Regulatory Commission.

(3) According to the China Securities Regulatory Commission;

(four) in accordance with the provisions of the China Securities Regulatory Commission, regularly disclose information such as balance sheets and profit distribution tables;

Managers and major business personnel who have committed major violations of laws and regulations identified by the China Securities Regulatory Commission have no major bad records identified by the China Securities Regulatory Commission;

(6) The customer's transaction settlement funds have been effectively and independently kept by the China Securities Regulatory Commission, and the customer's transaction settlement funds have not been misappropriated;

(7) Steady operation and good cooperation with banks;

(8) Other requirements of the lender.

Calculation formula of pledge rate:

Pledge rate = (loan principal/market value of pledged shares) × 100%

Market value of pledged shares = average closing price of pledged shares.

2. Can any stock be mortgaged to a brokerage firm for financing?

First of all, the scope of securities submitted to brokers as collateral needs to be within the scope allowed by the Shanghai and Shenzhen Stock Exchanges.

Secondly, within the scope permitted by the Shanghai and Shenzhen Stock Exchanges, each brokerage firm will confirm a smaller scope according to its own assessment. To sum up, before submitting the collateral, you can go to the websites of various brokers to check whether it is within the scope of guarantee. This range will change from time to time.

Third, can stocks be mortgaged?

Legal analysis: shares cannot be used as mortgage loans. Mortgages can only be used for houses or cars, but stocks can. Stock pledge is a very common financing method as reducing shares. But stocks can be used as personal financial proof for credit loans, that is. Unsecured credit loans depend on personal qualifications. The better the qualification, the easier it is to handle. Unsecured credit loans generally take 1-5 working days. Legal basis: Article 148 of the Company Law of People's Republic of China (PRC) stipulates that directors and senior managers shall not commit the following acts: (1) misappropriating company funds; (2) Opening an account for the company's funds in its own name or in the name of other individuals. (3) Lending the company's funds to others or providing guarantee for others with the company's property without the consent of the shareholders' meeting, the shareholders' general meeting or the board of directors, in violation of the provisions of the company's articles of association; (four) in violation of the articles of association of the company or without the consent of the shareholders' meeting or the shareholders' meeting, enter into a contract or conduct a transaction with the company; (5) Without the consent of the shareholders' meeting or shareholders' meeting, taking advantage of his position to seek business opportunities belonging to the company for himself or others, and running the same business as the company he works for; (six) accept the entrustment of others and regard the transaction with the company as your own; (seven) unauthorized disclosure of company secrets; (8) Other acts that violate the obligation of loyalty to the company. The income of directors and senior managers who violate the provisions of the preceding paragraph shall be owned by the company.

Fourth, can stocks be mortgaged?

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.