Innovative ideas for construction machinery can also be used in the future

"Now construction machinery products can also be mortgaged, which is really a great news for our company." The person in charge of Hunan Aoshengte Heavy Industry Technology Co., Ltd. is very excited to say.

It is understood that Auster has just received an order, but because of the need for equipment to be imported, there have been some problems with the funds. If the loan is not enough, there is a possibility that it will lose orders.

After understanding the situation, Huaxia Bank Changsha Branch finally granted its 12 million loan credit after a series of assessments, and successfully saved the order for Orsett.

Construction Machinery Mortgage Loan Difficulties "It used to be impossible to think through mortgage construction machinery loans. Now Huaxia Bank has not only introduced this loan policy but has successfully implemented it," said the person in charge of Ostens. Businesses related to construction machinery are blessed."

“The common problem of construction machinery companies is that there is a large demand for funds and the product is not liquid. This is the reason why the previous construction machinery products cannot be included in the scope of mortgage.” The relevant person in charge of the Huaxia Bank Changsha Branch told the reporter that the bank will It is the first of its kind in the banking industry to allocate construction machinery products within the scope of collateral.

Innovative thinking "playing" live capital Huaxia Bank Changsha Branch believes that if it wants to serve Hunan, it should first help Hunan's enterprises to activate their funds.

"The greatest risk of collateral is the risk arising from changes in its value." The relevant person in charge told the reporter, "For movable property collaterals such as construction machinery products, their value will change with time and need to consider the market comprehensively." Price and self-value appreciation."

In addition, the risk of ownership of the collateral may also present certain risks. As the mortgagee, the bank should be responsible for the ownership of the collateral. However, as a new business, banks actually do not have the ability to review, and there is no clear industry regulations in the end who do the review of the ownership of collateral. "These are also one of the reasons why it has not been possible to include construction machinery products in the scope of collateral."

However, after understanding the economic situation in Hunan and the status of the construction machinery industry in Hunan, Changsha Branch of Hua Xia Bank quickly made a decision to include construction machinery within the scope of collateral.

“After understanding the basic situation of Auschwitz, the bank set up a special service team and thought that the project had a certain degree of enforceability after it had designed a financing plan. Then it reached an agreement with the customer and granted a credit loan of 12 million. , to help Osend successfully save the order."

SMEs benefit both upstream and downstream. “In addition to the large construction machinery companies like Auschwitz, there are many small and medium-sized enterprises. They all have their own product patents, and the market prospects are good, but due to the liquidity of engineering machinery products. If they are not strong, they often face loans without collateral in development.” According to the relevant person in charge of the Changsha branch of Hua Xia Bank, Hua Xia Bank’s Changsha Branch specifically classified the construction machinery products into the loan collateral for this type of situation. It can fundamentally help those companies that have developed steadily and have potential for development in the industry.