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随着我国国有银行逐步实现专业银行向商业银行转变,银行的贷款方式也由过去的以信用贷款为主转变为以抵押贷款为主。实行抵押贷款已成为我国国有商业银行提高信贷资产质量,弱化信贷风险,实现信贷经营目标的主要途径。然而,由于多种因素影响,致使在银行抵押贷款业务过程中存在一些“错位”现象,直接影响到抵押贷款的使用效果,增加了抵押贷款管理的难度。当然,这其中包括许多商业银行内部管理的问题,但不可否认,外部因素也有相当的作用,本文着重从
With the gradual realization of the transition from a specialized bank to a commercial bank in China’s state-owned banks, the bank’s loan mode has also changed from a credit-based loan to a mortgage-based one. The implementation of the mortgage loan has become the main way for the state-owned commercial banks in our country to improve the quality of credit assets, weaken the credit risks and achieve the goal of credit management. However, due to many factors, there are some “misplaced” phenomena in the bank’s mortgage loan business, which directly affects the use effect of the mortgage loan and increases the difficulty of mortgage loan management. Of course, this includes many internal management issues of commercial banks, but it is undeniable that external factors also have a considerable role, this article focuses on