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在现实生活中,存在贷款过程中的一些让人无法理解甚至难以容忍的效率低下问题,存在需要在全方位变革旧的金融运行机制,包括信贷运行机制问题。但是,从另一方角度考虑,在目前社会信用制度尚未根本建立、银行信贷评估机构尚未健全成熟的情况下,贷款过于容易倒也未必是一件好事。 贷款,是社会经济发展到一定阶段以后,由不同“社会人”对资金供求不同需求产生的、一种债权债务在一定时期内的转移行为。其突出特征是不容争议的偿还性质。市场经济越发达,对贷款偿还性的要求越高。从某种意义上讲,越是在市场经济
In real life, there are some inefficiencies in the loan process that make people unable to understand or even tolerate it. There is a need to change the old financial operation mechanism in all respects, including the credit operation mechanism. However, from the perspective of the other side, in the current social credit system has not yet been established, the bank credit assessment agencies are not yet mature and perfect, the loan is too easy to fall may not be a good thing. Loans are the transfer of credit and debt over a certain period of time arising from the different needs of different “social people” for the supply and demand of funds after the social and economic development reaches a certain stage. Its salient features are indisputable repayment properties. The more developed market economy, the higher the repayment of the loan requirements. In a sense, the more it is in a market economy