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外贸贷款作为重要的贷款业务品种在银行一度占有相当的比重,是我国外经外贸发展的主要供血来源。近年,随着外贸企业在市场经济大潮中的起落,这部分信贷资产的风险日益凸现,成为银行沉重的不良资产负担。因此对外贸企业现有贷款的追加担保成为各行化解风险的重要手段,显得特别急迫和具有现实意义。然而由于种种原因的制约,这种完善并非一蹴而就。一、现有外贸贷款落实担保的难点从目前担保法来看,外贸企业可办理的担保方式就其形式而言主要是财产抵押、找担保单位、有价证券质押等。由于历
As an important type of loan business, foreign trade loans once occupied a considerable share of the bank, which is the main source of blood supply for the development of foreign trade and foreign trade in our country. In recent years, with the ups and downs of foreign trade enterprises in the tide of the market economy, the risk of these credit assets has become increasingly prominent and has become a heavy burden on the banks of non-performing loans. Therefore, the additional guarantee for the existing loans of foreign trade enterprises has become an important means of resolving risks at all levels, which is particularly urgent and of practical significance. However, due to various reasons, this improvement is not accomplished in one go. First, the difficulties of the implementation of the existing foreign trade loans From the current guarantee law, foreign trade enterprises can handle the guarantee in terms of its form is mainly property mortgages, to find security guarantor, securities pledge. Due to calendar