由于信用证抵押贷款在周期性、安全性、效益性等方面具有其它贷款所不具备的优点,它的前景越来越被许多开办国际结算业务的银行和部门看好。然而,随着信用证抵押贷款业务的逐步开展与实施,一些问题也渐露端倪。这里,笔者就我行开办这项业务以来的情况,谈谈个人的观点。 As credit card loans have advantages that other loans do not have in terms of cyclicality, safety and profitability, their prospects are increasingly favored by many banks and departments that offer international settlement business. However, with the gradual development and implementation of the credit mortgage loan business, some problems have gradually emerged. Here, the author of this business since the start of my business situation, to talk about personal point of view.