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小额抵押贷款业务中存在的问题应注意小额抵押贷款作为一项无内险、增收益的新业务，已经被众多行社接受，但实际操作中存有不可忽视的问题，表现如下：１．抵押品种单一。只能用本人或转让的定期储蓄存单抵押，且只能按金额的８０％给予贷款，客观上限制了个体工商户的贷...
Problems in the micro-mortgage loan business It should be noted that as a new business without risk-based and profit-making, micro-mortgage loans have been accepted by many commercial banks. However, there are some problems that can not be ignored in actual operation, as follows: 1 . Single mortgage varieties. Can only use their own or transfer of fixed deposit certificates of deposit, and only 80% of the amount of loans, objectively limit the individual industrial and commercial households ...