法院为何认为股权质押贷款“登记无效”

• 作 者: 王平涛
• 机 构: 湖北孝感农商行,
• 出 处: 中国农村金融
• 发表日期: 2016年01期
• 关键词: 股权质押贷款 农商行 借款人 内部人控制 商业银行 集体所有制 取消资格 信贷管理 资金链断裂 质押

借款人不能用自己在承贷银行的股权作质押办理贷款农信社改制农商行的过程中,根据监管要求,取消资格股,引入战略投资者,吸收部分股东入股农商行,股权结构明显改善。股东成为农商行的所有者,改变了过去的内部人控制,实现了农信社由集体所有制向股份制商业银行的转变。

The borrower can not apply for pledge of loans from rural credit cooperatives to repay the rural commercial banks with the equity of the loan-issuing banks. According to the regulatory requirements, the borrowers can cancel the qualification stocks, introduce strategic investors and absorb some shareholders into the rural commercial banks. The ownership structure is obviously improved. Shareholders became the owners of rural commercial banks, changed the control of insiders in the past, and realized the transformation of rural credit cooperatives from collective ownership to joint-stock commercial banks.