In addition to real estate, land and other mortgage loans, machinery and equipment mortgage is also one of the common financing methods for enterprises. So what aspects should banks guard against risks when handling machinery and equipment mortgage loans? First, find out the mortgage situation of machinery and equipment to avoid repeated mortgage. Some enterprises use the same equipment on different production lines at different times, but when evaluating and mortgaging according to the production line, there may be cases where some equipment has been mortgaged but the bank does not know. Second, I don't know the contents of professional equipment, and some equipment is not mortgaged. The equipment on the production line of many enterprises is very professional. Perhaps large equipment contains small equipment, but bank staff may not know these professional knowledge, and there may be a lack of mortgage. Third, some collateral should be alert to the invalidation of mortgage right. An enterprise applied for a loan from Bank A with building materials (steel roof truss components) as collateral. After the factory building is completed, the enterprise applies for mortgage loan from Bank B with the factory building and land (the original mortgaged building materials have been used in the factory building). After that, the court decided that the factory building was mortgaged to Bank B, which led to the invalidation of the mortgage right of Bank A. 4. Post-loan inspection cannot be a mere formality. After handling the industrial and commercial mortgage registration, the bank will go to the scene to mark it. For example, in one case, the bank did not mark the mortgaged forklift, which led to the forklift being driven away and sold by other creditors without knowing it.