当前,商业银行办理抵押、担保贷款过程中遇到一系列间题,使低押、担保贷款难以推行。这些问题笔者认为主要集中表现为“五难”。一、抵押物价值“制定难”。由于缺乏科学的评价体系,抵押物价值难以判定,导致抵押品价值不足。这主要一是没有权威的评价机构,二是财产评估标准不一,抵押品价值确定随意性强。二、抵押物处置难。在抵押物处置方面,由于缺少拍卖等变现市场,银行收回的低押品很难变现处置。特别是一些价值昂贵,销售市场狭窄的抵押品,常常使银行为解决储藏,出售问题而大费脑筋。有效贷款虽办理了有效抵押,但借款人不能按期归还时,银行想处理抵押物,又会受 At present, commercial banks handle mortgages, guarantee loans encountered a series of problems in the process, so that low security, secured loans difficult to implement. I think these questions mainly focus on the performance of “Five Difficulties ”. First, the value of collateral “difficult to make ”. Due to the lack of scientific evaluation system, the value of collateral is difficult to determine, resulting in the lack of collateral value. The main one is that there is no authoritative appraisal agency. The second is that property appraisal standards are different and the value of collateral is determined arbitrarily. Second, the collateral disposal difficult. In the disposal of collateral, the low collaterals recovered by banks are difficult to liquidate due to the lack of an auction market. In particular, some collateral with high value and narrow sales markets often make banks think hard about the storage and sale issues. Although effective loans for effective mortgage, but the borrower can not be returned on time, the bank would like to deal with the collateral, will be subject to