1. Determine the reasonable value of collateral: the value of collateral should be evaluated by an independent third party institution to ensure that the value of collateral is fair and transparent and consistent with the loan amount of subsidiaries.
2. Reasonable design of contract terms: The contract terms should include various specific terms related to interest rate, loan term and liability for breach of contract. To ensure that the interests of both parties are protected.
3. Ensure that the parent company does not overuse the mortgage: In order to prevent the parent company from abusing the mortgage to gain control rights that will affect its subsidiaries in the future or obtain improper economic benefits, the parent company may be required to disclose relevant mortgage information to the regulatory authorities.
4. Strengthen supervision and risk control: In order to ensure the information and assets safety of subsidiaries and parent companies, we can strengthen supervision and risk control measures to prevent the assets of parent companies from collapsing due to risk problems, thus affecting the stable development of subsidiaries.
To sum up, when dealing with the situation that the parent company is the mortgagee and the subsidiary company is the creditor, it is necessary to rely on an independent third-party institution and a supervisory risk control mechanism to ensure the balance of interests and fair trade.