《贷款通则》颁布实施后,各基层金融机构普遍运用抵押贷款的方式来防范金融风险,并取得明显的效果。但是,通过最近的信贷质量检查,发现在实际工作中普遍存在抵押贷款发放欠慎重的问题,特别是城乡两社服务对象分散,抵押贷贷款管理存在较大的风险隐患。相当部分抵押名不副实,不少已形成现实风险,其存在的问题主要有: 抵押人资格审查不严。非财务因素分析不足是当前抵押贷款管理的首要问题。信贷 After the promulgation and implementation of the “General Rules for Loans,” various grass-roots financial institutions generally use mortgage loans to prevent financial risks and achieve obvious results. However, through the recent credit quality inspection, it is found that mortgage loans are generally under-issued in practical work. In particular, the service targets of the two communities in urban and rural areas are scattered and there are major risks to mortgage loan management. A considerable part of the mortgage unworthy of the name, many have formed a real risk, the main problems are: the lack of strict review of the qualifications of the mortgagor. The lack of non-financial factors analysis is the primary issue of mortgage management. Credit