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近年来,各地金融部门为了强化贷款风险防范措施,在贷款投放上逐渐实行担保或抵押方式,其中用储蓄存单或有价证券做抵押的比重逐渐加大。但由于存单或有价证券来自各个不同方面,在办理抵押手续以及抵押品管理上还存在不少漏洞,致使贷款逾期不还扣收抵押品还贷时经常发生纠纷或无法扣收的情况,笔者认为在办理贷款时就应对用做抵押的存单或有价证券做以下八个方面的审查把关。 一、贷款者持本人的储蓄存单申请做贷款抵押时,应核对其身份证或户口
In recent years, in order to reinforce the precautionary measures for loan risks, various financial departments have gradually introduced guarantees or mortgages on loans, among which the proportion of mortgages made with certificates of deposit or securities has gradually increased. However, due to the deposit or securities from various aspects, there are still many loopholes in the handling of mortgage and collateral management, resulting in the loan overdue not to deduct collateral often collateral loan repayment or can not be discounted, the author Think in dealing with the loan should be used as a security deposit or securities to do the following eight checks. First, the lender holding my own savings certificate to apply for mortgage loans, you should check their identity card or account