Risk Management Strategy For Engineering Machinery Mortgage Loan

The development of engineering machinery loan business offersmore sales opportunities for engineering machinery manufacturers andincreases market share; provides convenient and fast financing channelsfor downstream buyers, and improves the utilization efficiency of funds;provides new profit growth points for commercial banks, and that wouldbe beneficial for the loan business development of small andmedium-sized enterprises.Through the analysis of engineering machinery mortgage loanprocess and characteristics, this paper discussed the affects of developingengineering machinery mortgage loan on engineering machinerymanufacturers, dealers, buyers and commercial banks. Through SWOTanalysis analyzed the strengths and weaknesses of current engineeringmachinery mortgage loan,indentified the business development spaceand existing problems. Based on successful cooperation model,summarized the current major risks and control difficulties of engineeringmachinery loans.It is hoped that through the empirical analysis of A Bank'sengineering machinery loan, providing a reference for commercial banksto develop such a credit operation.