浅议依法管理贷款的担保与抵押问题农行河南省分行信托投资公司南阳办事处鲁国敬，朱光玉，高舒阳担保贷款和抵押贷款是减少债务纠纷和弱化贷款风险的一项重要措施。长期以来，由于借贷双方对担保、抵押贷款的法定程序不甚了解，致使担保、抵押贷款流于形式，由此而引起的... On the management of loans in accordance with the law guarantee and mortgage issues Agricultural Bank of China branch in Henan Province, Nanyang Trust and Investment Corporation Lu Gujing, Zhu Guangyu, Gao Shuyang secured loans and mortgage loans is to reduce debt disputes and weaken the loan risk is an important measure. For a long time, because both lenders and lenders did not quite understand the statutory procedures of guarantee and mortgage loan, the guarantee and mortgage loan became a mere formality.