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当我们理解了抵押物的真实效用,实际上也就找到了一条抵押物价值回归之路。基本路径是,基于抵押物能否对借款企业产生履约激励的价值取向,积极拓宽抵押物的选择空间,增强对抵押物估值的动态性、灵活性,促进融资难问题的缓解与长期客户关系的培育。近来,在企业融资问题上关于银行信贷回归本源的呼声日高。不仅企业在呼唤,社会各界在呼唤,基层银行也在呼唤。其核心就是要进行制度创新,去担保化。在成熟完善的信用体系尚未建立,而银行体系仍深陷“担保链”泥潭的当下,或许我们要求商业银行彻底
When we understand the real effect of the collateral, we actually find a way to return the collateral value. The basic approach is to actively broaden the choice of collateral and enhance the dynamic and flexible valuation of mortgages based on the value orientation that collateral can generate performance incentives for borrowing enterprises and to ease the problem of financing difficulties and long-term customer relationship Cultivation. Recently, the issue of corporate finance on the issue of bank credit return to the source of high. Not only business is calling, all circles of society are calling, and grassroots banks are also calling for it. Its core is to carry out institutional innovation, to guarantee. In a mature credit system has not yet been established, and the banking system is still deep “security chain ” quagmire of the moment, perhaps we require a thorough commercial banks