Study On The Financing Of Chattel Mortgage In Copper Rough Processing Enterprises

In recent years,Chinese economic development is like a ship in the ocean in the fast forward.China’s small and medium-sized enterprises in the booming economic environment in the high-speed development,support the development of high-speed cannot do without sufficient fuel but also is in the development of enterprises need to have enough cash flow,but most of the small and medium-sized enterprises do not have enough real estate(land and housing)as collateral to the bank to apply for the mortgage,so strong demand for money has become the development of small and medium-sized enterprises "stumbling block".The financing difficulty has restricted the development of small and medium-sized enterprises,which has become the bottleneck in the development of small and medium-sized enterprises.In the production process of raw materials,semi-finished products of small and medium-sized enterprises purchase and sales of finished goods to be occupied by a large number of enterprise funds,leading enterprises do not have excess funds for the turnaround,and the real estate can be used as collateral for credit to the bank.Chattel mortgage business refers to the enterprise on its own or third people legally owned property(raw materials,semi-finished products and finished products)or the right goods as collateral,the credit business of bank supervision of real estate enterprises or the right goods.Therefore,chattel mortgage financing plays a vital role in solving the financing difficulties of SMEs.Mainly from the point of view of supervision company,this paper expounds the particularity of the chattel mortgage financing in the copper rough processing enterprises,and the business process of the chattel mortgage financing,the supervision plan,the risk disclosure and the corresponding early warning scheme.