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目前,我国的银行基本上是以国家作为控股股东的商业银行,国有资产是银行资产的主要组成部分,因此避免不良贷款的产生,减少银行资产流失,是防止国有资产流失的重要内容分。2007年3月16日通过的《中华人民共和国物权法》(以下简称《“物权法》”)确立了新的担保方式--浮动抵押担保,这种新的担保方式对中小企业的融资有很大的帮助,在银行贷款中的比例逐渐增大,因而,完善浮动贷款的法律制度,对防止银行资产流失尤其是国有资产的流失有重大作用。
At present, our country’s banks are basically commercial banks with state as the controlling shareholder. State-owned assets are the major components of bank assets. Therefore, avoiding the generation of non-performing loans and reducing the loss of bank assets is an important part of preventing the loss of state-owned assets. The Property Right Law of the People’s Republic of China passed on March 16, 2007 (hereinafter referred to as the “Property Law”) established a new guarantee method - floating mortgage guarantee. This new guarantee method has very good financing for SMEs Big help in the proportion of bank loans gradually increased, therefore, improve the legal system of floating loans to prevent the loss of bank assets, especially the loss of state-owned assets have a significant role.