Current location - Loan Platform Complete Network - Bank loan - What materials are needed for pledge of accounts receivable?
What materials are needed for pledge of accounts receivable?
1. What materials are required for the pledge of accounts receivable? 1. The business license of enterprise (legal person), business license (if any), organization code certificate, articles of association of enterprise (company) and loan card of the applicant and guarantor respectively; 2. The original and photocopy of the identity certificate of the legal representative or his power of attorney and the identity certificate of the authorized agent; 3, three years of financial accounting statements and the monthly financial statements of the previous period to apply for a loan; 4. List of mortgaged (pledged) goods, proof of property rights (original) and relevant supporting documents that the person with disposition right agrees to mortgage (pledged) goods or the guarantor is willing to provide guarantee; 5, indicating the real trade background of economic contracts and related documents; 6. The board of directors of the company agrees to pledge the resolution; 7, clear payment amount, method and time limit of accounts receivable certificate. Second, the establishment procedure of accounts receivable pledge 1. If accounts receivable are pledged, the parties must sign a written pledge contract. Article 445 of the Civil Code (implemented on January 1, 221) 6868 Where accounts receivable are pledged, the pledge right shall be established at the time of pledge registration. Accounts receivable shall not be transferred after they are pledged, unless the pledgor and the pledgee agree through consultation. The pledgor shall pay off the debts or deposit the proceeds from the transfer of accounts receivable to the pledgee in advance. According to the provisions of Articles 44 and 446 of the Civil Code on the legal application of the right pledge and the form and content of the pledge contract, the signing of the pledge contract of accounts receivable can refer to the form and content of the chattel pledge contract. To establish the pledge of accounts receivable, the parties must sign a written contract, which should include the amount, time limit, payment method, debtor's name and address, the basic contract that generates accounts receivable, the degree of performance of the basic contract and so on. The description of the accounts receivable as the pledge object in the pledge contract should be as detailed as possible to make it specific. 2. The pledge shall be registered with the Credit Information Center of the People's Bank of China, and the pledge shall take effect when it is registered. According to the provisions of the Civil Code, the pledge of accounts receivable can only take effect if it is registered by the credit bureau. According to Article 2 of China People's Bank's Measures for the Registration of Accounts Receivable Pledge, the Credit Information Center of China People's Bank is the registration institution of accounts receivable pledge in China. Therefore, the pledge of accounts receivable can only take effect if the pledge is registered with the Credit Information Center of the People's Bank of China. When the pledge registration is conducted in a public credit reporting agency, the public can obtain the pledge of accounts receivable by inquiring about the credit reporting agency, so as to make the pledge have public credibility, and at the same time, it can prevent the pledger from illegally transferring or repeatedly pledging the accounts receivable to a third party during the existence of the pledge. 3. Inform the debtor of accounts receivable about the pledge of accounts receivable. The Civil Code does not clearly stipulate whether the debtor of accounts receivable needs to be informed of the pledge of accounts receivable. Therefore, it belongs to the category of creditor's rights disposition that the creditor of accounts receivable sets pledge guarantee with his creditor's rights against the debtor. According to the provisions of the Civil Code, if the creditor of accounts receivable sets pledge without notifying the debtor of accounts receivable, it will not have the effect of resisting the debtor. The above is what information is needed for the pledge of accounts receivable and the establishment procedure of the pledge of accounts receivable. The pledge of accounts receivable is less stipulated in the law, so here are some points to remind you. If you pledge accounts receivable, you must remember to sign the contract, then register, and most importantly, notify the debtor of accounts receivable, otherwise it will not have the effect of resisting the debtor.