论文部分内容阅读
近年来,一些银行充分运用现行电子数据法、担保法等相关法律规定,将传统贷款业务与网上银行支付手段结合起来,创新出网络循环贷款,极大地方便了借款人,节约了借款人财务成本,但与此同时也暴露了一些新的风险,需要加以研究。本文在简要介绍网络循环贷款的基础上,有重点地分析该业务存在的突出风险,并有针对性地提出风险防范措施,以期对商业银行防范信贷风险有所裨益。一、网络循环贷款概述网络循环贷款是指银行与借款人一
In recent years, some banks have made full use of the relevant laws and regulations such as the existing electronic data law and the guarantee law to combine the traditional loan business with the online bank payment method to create a revolving network loan, which greatly facilitates the borrower and saves the borrower financial cost , But in the meantime some new risks are exposed and need to be studied. Based on a brief introduction of network revolving loans, this article focuses on the prominent risks existing in this business and puts forward risk prevention measures in a targeted manner in the hope that it will be helpful to commercial banks in preventing credit risks. First, the network recycling loans Overview Network recycling loans refers to the bank and the borrower