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贷款证制度的实施,对加强企业的贷款管理,降低金融机构的信贷风险起到了积极的作用。 当前影响贷款证制度发挥作用有几个主要障碍:一是贷款企业不及时办理贷款证,二是金融机构无证放款,三是金融机构不登录企业的贷款证,四是金融机构不按规定及时完整地向人行报送贷款发生数据通讯文件。几个障碍的焦点,集中于个别金融机构对执行贷款证制度的不重视、不落实。 而各地在实施贷款证制度以前已有贷款的部分企业,特别是部分一逾两呆借款企业,对办理贷款证的规定思想十分抵触,成为贷款证工作的难点。为此,必须采取措施,促使推行贷款证制度工作的顺利进行。
The implementation of the loan certificate system has played a positive role in strengthening the loan management of enterprises and reducing the credit risk of financial institutions. The current impact of the loan card system has several major obstacles to play a role: First, loan companies do not apply for the loan card in time, the second is undocumented financial institutions lending third financial institutions do not log in to the enterprise’s loan card, Fourth, financial institutions are not in accordance with the provisions of timely Complete the loan to the People’s Bank to submit a data communication file. The focus of several obstacles focused on the failure of individual financial institutions to pay attention to the implementation of the loan certificate system. However, some enterprises that have borrowed money before the implementation of the loan certificate system in various places, especially those enterprises with more than one or two debit loans, are very contradictory to the stipulations on handling the loan certificate and have become the difficulties of the loan certificate work. To this end, we must take measures to promote the smooth implementation of the work of the loan certificate system.