实物抵押,是抵押贷款形式之一。它是以贷款企业自身或第三者的财产、设备、交通工具等作为抵押品向银行、信用社信贷部门申请而获得贷款的一种担保方式。实行这种办法,不但给企业增强了紧迫感,而且使行、社减少了信贷风险。但在推广抵押贷款的过程中,由于现行的金融法制、法规不够完善,也带来了一些管理上的问题,导致了部分实物抵押贷款的失控。 Mortgage in kind is one form of mortgage loan. It is a kind of guarantee for obtaining loan by applying to the credit department of banks and credit cooperatives with the property of the loan enterprise itself or a third party as collateral. The implementation of such a measure not only enhances the sense of urgency for the enterprises, but also enables banks and enterprises to reduce their credit risk. However, in the process of promoting the mortgage loan, due to the current financial laws and regulations, the laws and regulations are not perfect enough, and some management problems have been brought about, resulting in the loss of some real-life mortgage loans.