In addition to real estate, land, and other immovable properties, the collateral utilized by loan enterprises encompasses a substantial amount of movable property. This includes assets such as automobiles, original wine, machine the browser end, according tory, equipment, and various products. Due to the fixed nature of real estate, the risk of quantity loss remains minimal. Conversely, due to the transferable nature of movable property, the risk of quantity loss is significantly heightened. Under the guidance of national policies, bank loans provide robust support to the real economy, manufacturing enterprises, small and micro enterprises, inclusive finance, and rural enterprises. As a result, commercial banks often acquire more chattel mortgages which include manufacturing products, machine tools, equipment, and similar assets. However, amidst economic downturns, the impact of the epidemic, structural adjustments, and other factors, the management complexity of commercial banks’ mortgaged assets has increased. Under the pressures of operational challenges and stringent regulatory supervision, effectively managing chattel collateral to minimize losses from human, moral, and management factors and ensuring that such collateral remains intact or undamaged has long posed a significant challenge for commercial banks. Typically, enterprises’ mortgaged movable property is stored in designated warehouses. Commercial banks must assign security personnel for surveillance, and larger warehouses necessitate multiple guards. This arrangement incurs high personnel costs (direct cost), elevated management and communication expenses (indirect cost), and insufficient night-time monitoring (risk cost). Furthermore, in scenarios involving the disposal of non-performing assets, the process demands “asset evaluation, case declaration, court judgment, and execution,” leading to protracted timeframes for the realization of these movable collateral assets. The costs of guarding these assets, borne by commercial banks, can become exorbitant and, in extreme cases, may even exceed the asset values themselves. Therefore, there is an urgent need for technological innovations in the management model of movable collateral to address these inefficiencies and risks.