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《贷款证》是人民银行核发给企业、并由其据此向金融机构申请办理贷款时提交查验和登记的证明书。贷款证是金融改革深化的产物。一方面,就其产生的直接目的来说,是为了增加贷款的透明度,保证信贷资产的安全,提高信贷资产的质量;另一方面,也意味着中央银行已经从过去计划经济时期的财政附属的角色中跳出来的,承担起金融监测和服务的职责。
The “Loan Certificate” is a certificate issued by the People’s Bank of China to the enterprise and submitted for inspection and registration upon application of the loan to the financial institution. Loan card is a product of deepening financial reform. On the one hand, for its immediate purpose, the purpose is to increase the transparency of loans, ensure the safety of credit assets and improve the quality of credit assets. On the other hand, it means that the central bank has already borrowed from the financial subsidiary of the planned economy period Jump out of the role, assume the responsibility of financial monitoring and service.