When the bank verifies the pledge ticket, if there is a secret code charge, it should be checked by LaSalle; If there is no secret charge, you should send someone to the card issuing unit or its storage department for formal inquiry in writing. For chattel pledge or title certificate, the bank shall personally register with the pledgor in its custody department and hand over all valid certificates in the pledgor's hands to the bank for custody. It is necessary to effectively check whether the variety, quantity and quality of pledged movable property are consistent with the pledge warrant. At the same time, we should carefully review the legality of the behavior of the parties to the pledged loan; To accept the pledge of * * property, all * * people must agree in writing; The pledge of property or rights without clear investigation and determination of ownership and use right cannot be blindly accepted. In order to prevent the judicial risks of pledged goods, banks must strictly review the applicable laws and regulations of various pledged goods to ensure that the pledged goods can be disposed of according to law; Pledge or right certificate that is difficult to confirm authenticity, legality and compliance shall be refused.

2. Guard against the value risk of the pledge.

Require an evaluation company with industry qualification and good credit standing or a professional quality inspection and price management department to evaluate the pledge, and then determine the pledge rate that is beneficial to the bank; Choose movable property or rights with relatively stable value as pledge, and carefully accept pledges with large value changes such as stocks and warrants.

3. Prevent the risks of pledge operation.

The bank must first confirm whether the pledge needs to be registered. Secondly, handle the pledge registration according to the regulations and collect all valid certificates of rights of the pledged property. At the same time, it signed a tripartite agreement with the pledge registration, management agency and pledger, stipulating the commitment and supervision measures to preserve the bank's creditor's rights. Furthermore, banks should list pledge documents as important valuable documents and generally should not lend them. If you want to lend money, you must strictly examine whether the pledgor lends money reasonably and whether it is suspected of fraud; For the lent pledge, if it can be endorsed, it should be indicated that "this property right certificate (real estate) has been pledged in X Bank, and this pledge cannot be revoked before X, X, X", or the registration department or custodian should be informed in writing that "the pledge certificate of X has been loaned from the bank and is only used for X purposes, and the original pledge right cannot be revoked", and a written receipt certificate should be obtained.