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收费权估值基础易变动,缺少科学的评估方法、专业的评估机构、明确的登记机关,诸多难题导致银行收费权质押贷款业务因信用违约风险多而萎缩上世纪90年代末,收费权质押贷款作为一种新型融资方式,首先在公路建设中被广泛应用,并迅速推广到农网改造及医院、学校等公共基础设施建设领域,在给银行业金融机构带来经济效益的同时,也产生了良好的社会效益。但近年来,由于不良率较高,银行业金融机构收费权质押贷款业务呈现快速下降的趋势。
The valuation basis of the right to charge Easy to change, the lack of scientific assessment methods, professional assessment agencies, a clear registration authority, a number of problems leading to bank charges Pledged loans business due to the risk of credit default and more The late 90s of last century, As a new financing method, it is first widely used in highway construction and is popularized to rural power network reform and construction of public infrastructures such as hospitals and schools. While bringing economic benefits to banking financial institutions, it also produces Good social benefits. However, in recent years, due to the high non-performing ratio, the pledged loan business of banking financial institutions has shown a tendency of rapid decline.