为确保银行信贷资产的安全性、流动性、盈利性,依照中华人民共和国担保法,广泛采用了资产抵押贷款,由借贷人提供资产作抵押从银行获取贷款。贷款人的资产价值的确定是进行抵押贷款的依据,通过资产评估来确定债务人的资产抵押值。抵押估价的准确性直接影响着银行信贷资产的安全性及债权、债务人双方的 In order to ensure the safety, liquidity and profitability of bank credit assets, asset-backed loans are widely adopted in accordance with the guarantee law of the People’s Republic of China, and loans are provided by borrowers for asset-backed loans. The determination of the value of the lender’s assets is the basis for the mortgage loan, through the asset assessment to determine the value of the debtor’s assets. The accuracy of the mortgage valuation directly affects the safety of bank credit assets and claims, both debtors