当前抵押贷款操作中存在的问题及建议中国农业银行湖北省随州市支行谭正鹏，李志勇，储杰抵押贷款是银行向企业发放贷款实行“硬约束”的手段之一，也是国有商业银行在转轨过程中实行信贷风险管理的重要措施，但由于种种原因，这种“硬约束”往往不能真正到位，硬约束变成... Current Mortgage Lenses Operation Problems and Suggestions Agricultural Bank of China Suizhou Branch Tan Zhengpeng, Li Zhiyong, Chu Jie Mortgage loans are one of the means by which banks issue loans to enterprises with “hard constraints” and are also in the course of the transition of state-owned commercial banks However, due to various reasons, such “hard constraints” often can not really be put in place, and the hard constraints become ...