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抵 (质 )押贷款办理过程中种种迹象表明 ,抵押手续完整不等于为贷款“上保险”,贷款仍存在各种风险因素。如抵 (质 )押物品缺陷产生的信贷风险 ,贷款运作中的管理风险 ,贷款运作中的法律风险 ,因此必须加强对抵 (质 )押贷款风险的认识 ,谨慎接受不动产作为抵押物 ,强化规范的科学管理 ,建立配套的管理措施 ,并为防范风险采取相应对策 ,增设贷款后督中心 ,以机构职能的发挥防范、规避法律风险
There are various signs in the process of handling a loan (mortgage loan) that the complete mortgage procedure does not mean that the loan is “insured” and there are still various risk factors in the loan. Such as the risk of credit arising from defective goods, the management risk in the loan operation and the legal risk in the operation of the loan. Therefore, it is necessary to strengthen the understanding of the risk of loan denouncing (hypothecating), cautiously accept the real property as collateral, and strengthen the norm Of the scientific management, establish supporting management measures, and to take appropriate countermeasures to prevent risks, additional loan supervisory center, to play an institutional role in preventing and avoiding legal risks