去年以来,我省各市县支行普遍推行贷款抵押制度,最近,我们对这些抵押行为进行了一定范围的调查后发现,贷款抵押虽较好地抑制了风险,但各行信贷员的具体操作差异很大,也存在一些问题。1、虚抵押。抵押关系在形式上建立,而实则无效者,为虚抵押。它包括:(1)抵押财产非抵押人所有或并不存在。例如,仅凭房屋产权证书办理抵押贷款,而房屋产权证书或旧证失落,或统一换发新证而失效。目前虽强调到房产部门办理房屋抵押登记,但就实际情 Since last year, the city and county branches in our province have generally implemented the loan mortgage system. Recently, after conducting a certain range of investigations on these mortgages, we found that although loan mortgages have suppressed the risks better, the specific operations of loan officers across banks are quite different There are also some problems. 1, virtual mortgage. The mortgage relationship is formally established, and actually invalid, for the virtual mortgage. It includes: (1) Mortgaged property Non-mortgaged owner owns or does not exist. For example, a mortgage loan can only be made on the certificate of housing ownership, and the certificate of property ownership or the old certificate is lost or the new card is re-issued uniformly. Although the current emphasis on the real estate sector for housing mortgage registration, but the actual situation