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为提高我国商业银行的竞争力,1999年开始,我国先后成立了四家资产管理公司,对国有商业银行的不良贷款进行剥离。在此过程中,以物抵贷收回贷款逐步成为商业银行清收不良贷款的重要方式之一。所谓以物抵贷,是指商业银行贷款到期后,借款人无法以货币资金履行债务,银行为保全贷款而
In order to improve the competitiveness of commercial banks in China, starting from 1999, China has set up four asset management companies to divest non-performing loans of state-owned commercial banks. In this process, loan repayment by loans is gradually becoming one of the important ways for commercial banks to collect non-performing loans. The so-called goods to credit, refers to the commercial bank loans expire, the borrower can not fulfill the debt of monetary funds, the bank for the preservation of loans and