Pledge Supervision Specific Work Contents of Pledge Supervisors

1, working in an automobile 4S shop, daily supervising bank pledge; 2 responsible for receiving, counting, replacing, moving and distributing pledged vehicles and goods; 3. The automobile project is responsible for keeping the pledged vehicles, keys and certificates, and checking the library twice every morning and evening; 4, timely report the abnormal situation found in the process of supervision; 5. Accept and implement all work instructions of the company (supervision company); Supervisors are employees who supervise companies, not employees of banks and 4S stores. Accept and cooperate with company and bank inspections and video inspections; 7. Complete the daily business report.

The work of the pledge supervisor is relatively easy. Specifically, it can be pointed out that the pledgor takes the legal movable property recognized by the bank as the pledge guarantee, and the bank gives financing. In addition, repayment can be made in installments during the credit period, and the credit business of pledged movable property can be replaced on the basis of meeting the minimum inventory approved by the bank. The subject matter of pledge is the goods kept by the supervisor, and the bank entrusts the supervisor to keep the pledged goods continuously. However, the regulatory pledge is constantly changing, showing different batches and types at different times, so it is called "dynamic pledge total control".

Features:

The general control of chattel pledge is similar to the control of chattel pledge one by one, except that the bank entrusts the approval authority to the supervisor, who controls it on his behalf. As a supervisor, you will also bear the corresponding risks. Similarly, an effective information system must be established to effectively manage the total amount control. The transaction control of chattel pledge and the total control of chattel pledge can also be called financing warehouse.

Operation of a specific link

1. pledge formation

Yuancheng signed a custody agreement with the pledgor, and the pledgor stored the pledged goods in the designated pledge supervision warehouse;

The supervisor, pledger and pledgee signed the Cooperation Agreement on the Supervision of Chattel Pledge, which is applicable to the total amount control business of chattel pledge. Both the pledgee and the pledger * * * issued a Notice of Pledge Inquiry (with a confirmation receipt) to the supervisor, informing the supervisor of the pledge situation and the fact that the pledge was established, and the supervisor confirmed it after accepting the goods, thus forming this pledge supervision business.

2. Total amount control

The pledgee shall issue the Pledgee Price Determination/Adjustment Notice and the Pledgee Minimum Value Notice to determine the type, price and minimum quantity or value of the pledged property.

3. Pledged goods have been put into storage

Yuancheng issues receipts according to the goods put into storage by the pledgor.

4. The pledged goods are sent out of the warehouse.

If the value of the pledged property exceeds the minimum value of the pledged property, the pledgor can directly handle the delivery or exchange with the supervisor without adding or supplementing the deposit, and the supervisor shall handle it strictly in accordance with the provisions of this contract, and ensure that the value of the pledged property possessed and supervised by the supervisor after delivery or exchange is never lower than the minimum value of the pledged property. If the value of the pledged property is equal to the minimum value of the pledged property, the pledgor shall apply for early delivery, and with the consent of the pledgee, the deposit shall be added or supplemented, and the pledgee shall issue the Notice of the Pledgee on the Minimum Value to the supervisor to reduce the minimum value of the pledged property. The supervisor shall go through the delivery procedures of the goods according to the notice of the minimum value of the pledged goods, and the delivery business will be completed as the audit basis.

5. Release the pledge

The pledgor returns all pledged loans;

The pledgee shall issue a Notice of Supervision on the Release of Pledge, sign and seal it, and send it to the supervisor;

The pledge supervisor shall check the Notice of Supervision on Release of Pledge signed and sealed by the pledgee, and submit it to the manager of the operation department for review and signature after signing;

The supervisor handled the delivery procedures of the goods according to the requirements of the pledgor, and this pledge release operation was completed.

Risk content:

Under the supervision of production enterprises, there is no independent closed supervision area for materials stored in the open air. Sometimes, in order not to stop production, production enterprises replace raw materials with finished products without the permission of the bank, resulting in the replacement of materials confirmed by the bank. We not only have to bear the losses caused by the replacement of goods, but also have a negative impact on the banking industry-we have no ability to control goods.

Control measures:

A) Strictly implement the pledge supervision agreement and business process, remove the pledge and replace the pledged varieties and specifications, and must obtain the written permission of the pledgee, and resolutely put an end to the delivery of IOUs;

B) The handover of documents with banks and the confirmation of reserved seal must be operated by the pledge supervision department to avoid the supervisors outside the warehouse directly accepting the pledge cancellation procedures;

C) For supervised goods subject to total quantity control, the supervisor must know the import and export trends and daily consumption of all inventory goods, set a safety point higher than 20% of the pledged amount, remind the pledgor to supplement or increase the deposit when approaching the safety point, and notify the bank at the same time. Under the condition of obtaining the control right of goods, banks provide closed procurement financing support for the trade of goods after payment by buyers and sellers. The pledgor and its suppliers shall pay first and then receive the goods. The pledgor cannot provide the pledge site, but its supplier can cooperate with the bank to control the rights of the goods. After the designated goods arrive at the warehouse that the designated supervisor has the right to use. The supervisor shall confirm the issuance of the warehouse receipt or list, and supervise the goods according to the agreement of the pledgee.

Features:

Buyer's credit (confirmed warehouse) business is in great demand and widely used. However, in order to accurately control the arrival and departure of goods, an effective information system must be established.

Specific process operation

1 pledge formation

Yuancheng signed the Custody Agreement with the pledgor, and the supervision cooperation agreement on movable property pledge signed by the supervisor, pledgor and pledgee is applicable to the credit business of movable property pledge buyer; After issuing a bank acceptance bill or remittance, the pledgee shall issue a Notice of Inquiring about Pledge (with a confirmation receipt) to the supervisor, and attach a copy of the bank acceptance bill or remittance voucher and a copy of the purchase and sale contract to inform the supervisor to receive the goods. If the consignee is the pledgee rather than the pledger, the pledgee shall also provide a power of attorney to authorize the supervisor to handle the relevant receiving procedures on his behalf. The pledgor promises to guide the supplier to deliver the goods to the designated place on time under the supervision of Party A. After the goods arrive, the three parties * * * shall go through the formalities of receiving, acceptance and warehousing. After the goods are accepted and put into storage, the supervisor will issue a confirmation receipt (with confirmation receipt) of the Notice of Inquiring about Pledge according to the acceptance result, thus forming this pledge supervision business.

2. The pledged goods are sent out of the warehouse.

The pledgor may apply to the pledgee for withdrawing part or all of the pledged property after supplementing or adding a certain amount of deposit to the pledgee. The pledgor shall take delivery of the goods from the supervisor with the Notice of Pledge Change (with confirmation receipt).

With the consent of the pledgee, the pledgor can deliver the new pledge to the supervisor with the Pledgee's Notice of Pledgee Change (with confirmation receipt), and replace and extract the existing pledge.

After receiving the notice of pledge change from the pledgee (with confirmation receipt), the supervisor shall check the relevant seal, signature and fax number, and make telephone verification with the person designated by the pledgee. After verification, the pledgor can take delivery of the goods.

3. Release the pledge

Chattel mortgage

The pledgor returns all pledged loans;

The pledgee shall issue a Notice of Supervision on the Release of Pledge, sign and seal it, and send it to the supervisor;

The pledge supervisor shall check the Notice on Supervision of Release of Pledge signed and sealed by the pledgee.

After signing, submit it to the manager of the operation department for review and signature;

The supervisor handled the delivery procedures of the goods according to the requirements of the pledgor, and this pledge release operation was completed.

Risk content:

For goods under dynamic supervision, the delivery and receipt documents provided by the pledger are exchange certificates. Some supervisors lack the consciousness of document management, so they can't make it on time, and the replacement vouchers are lost because of incomplete documents.

Control measures:

In dynamic supervision, pledge list, replacement notice and pledge cancellation notice are important basis for the transfer of goods rights. Because the pledgor's goods are pledged (including those exceeding the pledged amount), the pledgor's receipt and delivery documents are also the vouchers for goods replacement and need to be managed as the documents provided to the bank. Binding on schedule means that the bank opens a letter of credit for the importer to buy goods from foreign manufacturers or exporters, and the importer pays a certain percentage of deposit, and the rest is pledged by the ownership of the imported goods. Similarly, only by establishing an information system can the deposit and goods be effectively managed.

Specific process operation

1. Sign the agreement.

Yuancheng signed the Custody Agreement with the pledgor, and the supervisor, pledgor and pledgee signed the Cooperation Agreement on the Supervision of Chattel Pledge, which is applicable to the supervision of future goods pledge under the letter of credit; Pledger and supervisor sign power of attorney, power of attorney for customs declaration, power of attorney for inspection and quarantine declaration and warehousing agreement.

2. Delivery of documents

Ask the pledgee or pledger for the original materials required for customs declaration and inspection, including: original bill of lading, packing list, inspection list (including quality inspection list and weight inspection list), customs declaration power of attorney, invoice, etc. On the day of receiving the bill of lading and other goods rights certificates delivered by the pledgee and/or pledgor, the supervisor shall directly send a document receipt confirmation to the pledgee and/or pledgor by express mail to confirm the fact of the handover of the above documents.

3. Customs declaration and inspection

After the pledged goods arrive in Hong Kong, they should go through customs clearance procedures such as customs declaration and inspection in time, and at the same time go to the port to learn about the stacking of the pledged goods and the damage to the goods, and inform the pledgee and pledger. After the pledge is paid off, the customs declaration form, commodity inspection form, import tariff invoice, value-added tax invoice and other documents shall be delivered to the pledgee.

4. Pledge formation

Both the pledgee and the pledger * * * send pledge notices to the jailer, informing the jailer of the information of the goods to be pledged and the pledgee's specific requirements for the pledged goods.

After delivery, the supervisor shall issue a receipt of the pledge notice to the pledgee. When the supervisor issues the receipt of the pledge notice, the transfer and possession of the pledge is completed and the pledge takes effect.

Supervision of pledged warehousing: If the pledged goods are directly stored at the place of import, the supervisor shall perform the supervision duties in strict accordance with the instructions of the pledgee and handle the pledged warehousing.

In-transit supervision of pledged goods: If the pledged goods need to be transported in different places and put into storage, the supervisor shall handle the transportation, logistics and storage of the goods in accordance with the agreement, perform the supervision duties of the goods during transit and after storage, and strictly follow the instructions of the pledgee.

5. The pledged goods are sent out of the warehouse.

The pledgee shall issue the Bill of Lading to the supervisor as the only valid certificate for the pledgee to take the pledged goods out of the warehouse. After the supervisor delivers the goods to the pledgee according to the Bill of Lading, he shall issue the Receipt of the Bill of Lading to the pledgor and deliver it to the pledgee.

6. Release the pledge

This contract is terminated when the pledgee notifies to release the pledge supervision of the relevant pledged goods or the pledger goes through the warehousing procedures of all pledged goods according to the delivery notice (whichever comes first).

Risk content:

A) We don't know enough about the pledgor, and the pledgor and its responsible person have defects in reputation and morality, defrauding the supervisor's trust by fraudulent means, or taking risks due to business problems, which may lead to unfavorable behaviors of the supervisor and the pledgee;

B) or pledge other people's goods;

C) or in the process of dynamic pledge exchange, shoddy;

D) Or use fake ocean bills of lading for spot;

E) hostage-taking;

F) enterprise management is chaotic.

Control measures:

A) Fully investigate the reputation of the pledgor in the industry. If the person in charge has legal defects in reputation and morality, cooperation is not allowed;

B) The management system of the pledgor is not perfect, and the production and business activities are chaotic, so cooperation is not allowed;

C) The materials in the supervision place should be stored separately and marked to prevent others from pledging their goods;

D) It is clearly stipulated in the contract that we are not responsible for the inherent quality of the pledged goods;

D) Without signing the whole supervision agreement of logistics business, we don't have the ability to distinguish ocean bills of lading, and we are not allowed to exchange ocean bills of lading for spot;

E) The legal representative of the pledgor must be required to sign a letter of commitment, and all his personal assets shall be jointly and severally liable for the moral hazard arising therefrom.