论文部分内容阅读
“三个办法一个指引”是我国银行监管法制建设历史上具有里程碑意义上的重要事件,这些规定确立、完善了我国贷款合同的支付管理制度,支付新规在合同形式方面,新增支付条款作为合同要素,确立贷款支付管理的“受益人原则”、引入受托支付方式,旨在全面提升我国商业银行贷款的精细化管理水平和风险控制能力,对我国商业贷款的理论和实践都将产生深远的变革和影响。
The “Three Approaches and One Guideline” is a landmark milestone in the history of China’s banking supervision and administration system. These regulations establish and improve the payment management system of China’s loan contracts and pay for the new regulations. In the form of contracts, new payments As a contractual element, the article establishes the “beneficiary principle” of loan payment management and introduces a fiduciary payment method. The purpose of this article is to comprehensively enhance the fine management level and risk control ability of China’s commercial bank loans. Both of the theory and practice of commercial loans in China Far-reaching change and impact will result.