企业为他人担保贷款 没有存在的客观必要

• 作 者: 王旭强 李怀志
• 机 构: 吕梁临县工行,吕梁临县工行
• 出 处: 山西统计
• 发表日期: 1995年07期
• 关键词: 担保贷款 担保方式 借款人 利益原则 经营失败 从权利 三性 现实困难 有害无益 行业不正之风

多年来,银行系统为确保信贷资金的安全。在贷款的发放上,采用担保的方式发放了大量的担保贷款,其担保方式主要有:企业担保和个人担保,它为维护银行和国家的利益起到了积极的作用,但从多年来的实践看,也存在着许多消极作用,特别是企业担保贷款,其消极作用远远大于其积极作用。笔者认为企业担保贷款没有存在的客观必要。下面从权利、意志和利益原则出发,对当事人各方和国家四方面谈点粗浅的看法。

For many years, the banking system has ensured the safety of credit funds. In terms of loan issuance, a large number of secured loans have been issued by way of guarantee. The guarantee methods include: corporate guarantee and personal guarantee, which play a positive role in safeguarding the interests of banks and the state. However, from many years’ practice , There are also many negative effects, especially corporate guarantee loans, whose negative effects far outweigh their positive effects. I believe there is no objective guarantee for corporate loans. Let us begin with the principle of rights, will and interests, and discuss the superficial opinions of all parties and countries in all fields.