计划经济向市场经济机制转轨以后，企业都在市场公平与不公平竞争环境中生存，银行贷款的风险逐步加大，而且银行商业化以后，银行也是自负盈亏，所以银行实行严格的贷款担保制度是银行信贷资产安全的必要保障。银行贷款担保通常采用的担保方式是保证、抵押或质押。所谓保... After the transition from a planned economy to a market economy, enterprises have survived an environment of fair and unfair competition in the market, the risk of bank loans has been gradually increased, and banks have also taken sole responsibility for their profits and losses after the commercialization of banks. Therefore, the strict loan guarantee system implemented by the banks is Necessary Safeguards for Bank Credit Assets. Bank loans are usually secured by guarantees, mortgages or pledges. The so-called security ...