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抵押贷款是降低和防范信贷风险,保证银行信贷资产安全,提高信贷资产质量的有效手段和措施。随着我国金融体制改革的深入,抵押贷款在银行信贷资产中的地位越来越重要。目前,银行已认识到抵押贷款在防范信贷风险方面的重要性和有效性,正在大力推广,努力提高抵押贷款在贷款总额中所占比重。但由于抵押贷款涉及的问题较多,业务人员在操作中较难把握,导致抵押贷款缺乏规范化、合法化,从而给银行带来一些风险和损失,同时由于相关法律法规的制订相对滞后,制度和具体的操作行为不尽完备合理,使银行在办理抵押贷款业务时经常碰到一些问题。本文就银行在办理抵押贷款业务时应注意的问题谈点粗浅的认识。
Mortgage loans are effective measures and measures to reduce and prevent credit risks, ensure the safety of bank credit assets and improve the quality of credit assets. With the deepening of China’s financial system reform, the position of mortgage loans in bank credit assets is more and more important. At present, banks have realized the importance and effectiveness of mortgage loans in preventing credit risks and are vigorously promoting efforts to increase the proportion of mortgage loans in the total loans. However, due to the many problems involved in the mortgage loan, it is difficult for operational staff to grasp the operation, resulting in the lack of standardization and legalization of the mortgage loan. As a result, some risks and losses are brought to the bank. At the same time, due to the lagging behind of the relevant laws and regulations, The specific operational behavior is not perfect and reasonable, so that banks often encounter some problems in handling the mortgage loan business. This article talks about the superficial understanding of the problems banks should pay attention to when handling the mortgage loan business.