实施抵押贷款中存在的问题及对策

• 作 者: 黄琼
• 机 构: 大理州人民银行,
• 出 处: 云南金融
• 发表日期: 1995年08期
• 关键词: 抵押贷款 基层商业银行 信贷资产风险 贷款合同 信用贷款 担保方式 抵押担保 金融机构 借款者 贷款所

抵押贷款是银行要求借款者提供某种抵押品作担保而发放的贷款。抵押品在法律上归债权人所有,借款到期不还,银行有权处理抵押品作偿。以此方式发放的贷款,安全稳妥,减少银行信贷资产风险。当前各金融机构在放款中,尽量减少信用贷款,全面推行抵押担保,进行风险防范。然而,在实践中,担保方式由于寻找担保人十分困难,抵押贷款已成为主要发放贷款的方式。但基层商业银行在办理中

A mortgage loan is a loan issued by a bank that requires borrowers to provide some sort of collateral for security. The collateral is legally owned by the creditor, the loan is not due, the bank has the right to deal with the collateral for compensation. Loans issued in this way are safe and secure, reducing the risk of bank credit assets. At present, all financial institutions have made every effort to reduce their credit loans by lending money, fully implemented mortgage guarantees and conducted risk prevention. However, in practice, the guarantee method is very difficult to find a guarantor, and the mortgage loan has become the main way to issue the loan. However, the grass-roots commercial banks are in the process