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贷款证是企业凭以向金融机构申请贷款的资格证明书。它由人民银行向企业颁发,具有防止企业多头套取贷款,减少银行信贷资产风险等作用。但从当前执行情况看,这些功能没有得到发挥。如何解决?笔者认为须坚持“七性”。 一、加强发证管理,坚持贷款证的“唯一性” 贷款证作为一种维护金融秩序、防范信贷资产风险的新手段,从领证发证到使用都有严格的
Loan card is a business with a financial institution to apply for a loan certificate of eligibility. It is issued by the People’s Bank of China to the enterprise, with the function of preventing enterprises from taking over long loans and reducing the risk of bank credit assets. However, from the current implementation situation, these functions have not been brought into play. How to solve? I believe that we must adhere to the “seven sexes.” First, to strengthen the certification management, adherence to the “uniqueness” of the loan certificate As a maintenance of the financial order, credit risk protection of new means of credit, from the issuing of the license to use have strict