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银行抵贷物资是指工商企业因某种原因无力还贷,以相抵方式归还银行贷款和利息的实物,具体分为二类:一是不动产,如房屋(营业用房、商品房、厂房、办公楼等);二是动产,主要是汽车、生产设备、原辅材料、生产半(成)品、家电及日常用品等等。 银行抵贷物资的主要来源于三个方面:一是抵押物资到期,借款人无货币资金或者货币资金不足,根据合同或协议,用以抵偿贷款本息的合法资产;二是借款人面临倒闭或
Bank credit materials refers to the inability of industrial and commercial enterprises to repay loans due to some reason and repay the bank loans and interest in kind, which can be divided into two categories: First, real estate, such as houses (commercial buildings, commercial buildings, factories, office buildings Etc.); Second, movable property, mainly automobiles, production equipment, raw and auxiliary materials, production semi (into) products, household appliances and daily necessities, and so on. The main source of bank credit materials comes from three aspects: First, the collateral is matured, the borrower has no monetary or monetary funds, according to the contract or agreement, to compensate for the loan principal and interest of legitimate assets; Second, the borrower is facing bankruptcy or