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    How To Handle Stock Pledge Loan?

    2010/11/1 16:52:00 136

    Stock Pledge Finance

    Stock pledge loan provides financial support for the normal operation of securities companies, broadens the financing channels of brokerages and promotes the sound development of capital markets. Stock pledge loan business is a securities company (fingering headquarters) authorized by law and approved by the China Securities Regulatory Commission to operate securities business.


    To put it more simply, stocks are almost as popular as mobile phones nowadays. Basically, every household can find a person who shares stocks.

    Therefore, in the early stage of capital turnover, entrepreneurs can take stock in their hands to make mortgage loans so as to obtain venture capital.


    First of all, let's talk about what is stock pledge loan?

    pledge

    Loan refers to a loan method for securities companies to obtain funds from commercial banks by self financing stocks, securities investment fund certificates and convertible bonds of listed companies.


    The key points of stock pledge loan are emphasized.

    The stock pledge rate of stock pledge loan is determined by the quality of the lender's pledge and the financial condition and credit condition of the lender.

    However, the stock pledge rate of pledge stocks can not be higher than sixty percent of the total.

    The adjustment of the upper limit of the pledge rate is decided by the people's Bank of China and the Banking Regulatory Commission.

    Frankly speaking, because of the characteristics of the stock in the loan, banks, securities market and individual investors will directly lead to the smooth operation of individual stock pledge loan business in three aspects.


    The formula for calculating the rate of pledge:


    Pledge rate = (loan principal / pledge stock market value) * 100%


    Pledge stock market value = pledge stock number x seven first trading days

    shares

    Average

    Closing quotation

    Price.


    Pledge loan process:


    1, after receiving the application of the loan from the borrower's stock, the bank will investigate and verify the borrower's borrowing purpose, credit standing, repayment ability, authenticity of the data, and the basic situation of the stocks used for the quality, and give timely reply to the borrower.


    2, the bank conducts an audit analysis of the borrower's credit risk and financial affordability, and checks the borrower's borrowing limit according to the unified credit management method.


    3. After examining and agreeing the loan application of the borrower, the bank signs the pledge loan contract with the borrower according to the relevant laws and regulations.


    4, after signing a pledge loan agreement between the bank and the borrower, the two parties simultaneously conduct the pledge registration in the securities registration institution.

    The securities registration authority shall issue a written proof of stock pledge registration to the bank.


    5, before issuing stock pledge loans, banks should set up special seats for stock pledge loan business on the stock exchange, and specifically protect and punish stocks as qualitative assets.


    6, the borrower shall repay the principal and interest of the loan according to the provisions of the loan contract.

    After the borrower has paid off the loan, the loan contract will be terminated voluntarily.

    When the loan contract terminates, the bank goes through the cancellation procedure of pledge registration, and returns the written proof of the pledge registration to the borrower.

    During the period of stock pledge, the borrower can replace the hypothecation stock with the consent of the bank. Before the maturity of the loan, the borrower can entrust the bank to sell part or all of the pledge stock by the bank's consent. The proceeds are used for early repayment. Before the maturity of the loan, the borrower can repay the loan in advance according to the contract before the maturity of the loan.

    )


    Finally, I would like to point out that the majority of entrepreneurs who are interested in using stock as pledge loan should emphasize that there are several types of stocks that can not be mortgaged as loans. The stock market fluctuation in the first six months of the year, the fluctuation of the stock price in the first 200% months (the highest price / lowest price) exceeds 200% of the stock, the stocks that are too concentrated in the tradable shares, the stocks that are suspended or removed from the stock exchange, and the stocks and securities companies specially processed by the stock exchange holding more than 5% of the issued shares of a listed company. The securities company shall not pledge the shares. However, the securities company's purchase of after sales surplus stock and the holding of more than 5% of the shares are not subject to this restriction.

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