一般都认为,银行开展贷款业务时 选择发放抵押(质押)贷款,风险是最小的,因为银行可以在贷款客户经营情况发生变化不能及时偿还贷款时,拍卖客户的抵押物来抵偿贷款,从而保证银行贷款资金的安全。因此,在实践中许多银行贷款都选择了抵押或质押贷款 It is generally believed that banks choose to issue mortgages (pledged loans) when they carry out the loan business. The risk is the smallest because the banks can auction off the collateral of customers to repay the loans when the operating conditions of the borrowers change and they can not repay the loans in time, so as to ensure that the banks Loan funds security. Therefore, in practice, many bank loans have chosen mortgage or pledge loans