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个人定期存单抵押贷款,顾名思义,就是客户用其未到期的定期存款(整存整取、华侨定期、外币定期、大额定期)存单作为抵押品,向所在的银行申请一定额度的人民币贷款。自1993年7月中国银行首次推出该项业务以来,到年底,已有18个省级分开办了该项业务。贷款余额达1.49亿元,业务发展迅速。今年以来,又有北京市分行等开办了该项业务,一些地方的农业银行及城市信用社闻风而动,也先后开办了该项业务。个人定期存单抵押贷款业务初步显示其生命力。那么,开办该项业务的积极意义是什么?有何负作用,存在什么问题?本文试就这些方面的内容作一些粗浅探讨。
As a name implies, customers use their certificates of deposit of unexpired term deposits (repossessions, overseas Chinese, foreign currency regularly and large-term fixed-term) as collateral to apply for a certain amount of RMB loans to their banks. Since the Bank of China first launched the business in July 1993, 18 provinces have run the business by the end of the year. Loan balance of 149 million yuan, business has developed rapidly. Since the beginning of this year, another branch such as Beijing Municipality has set up this business. Agricultural banks and urban credit cooperatives in some places have taken the lead in this business and successively started the business. Personal fixed deposit bill loan business initially showed its vitality. So what is the positive meaning of starting this business? What are the negative effects and what are the problems? This article tries to make some superficial discussions on these aspects.