应确保存单抵押的真实性董凤新李国民存单抵押贷款作为商业银行重要的信贷种类和手段，已成为企业和个人向银行融资的主要方式。这为降低商业银行资产风险，保证信贷资金的安全性、流动性、盈利性发挥了积极的作用。然而，在一些基层行处，由于存单抵押不实或操作手续不健... Should ensure the authenticity of deposit certificates Dong Fengxin Li Guomin Deposit-only mortgage loans as an important commercial bank credit types and means has become the main way for enterprises and individuals to bank financing. This has played an active role in reducing asset risk of commercial banks and ensuring the safety, liquidity and profitability of credit funds. However, at some grassroots level, because of the deposit mortgage is not real or bad operating procedures ...