[误区之一]认为在抵押物的计价方面无需与贷款企业“斤斤计较”,造成抵押物计价不实,而贷款企业往往从自身的利益出发,想方设法夸大抵押物的价值。如某工业企业向建行申请贷款,直接从帐面上抄录下该机器设备的购入价就作为抵押物的价值(该机器设备早在1989年初就已投入使用,磨损严重),而信贷员对此并未提出异议。 [误区之二]认为只要有抵押物就行,不必对抵押品作谨慎选择。极少数信贷员认可抵押物时,不考虑其价值是否稳定,变现性是否较强,保管容易与 [Misunderstanding one] that the collateral in the valuation without having to “preoccupied” with the loan business, resulting in collateral pricing is not real, and the lending companies often proceed from their own interests, find ways to exaggerate the value of collateral. If an industrial enterprise applies for a loan from CCB, the value of the purchase price of the machinery and equipment as collateral (which has been put into operation as early as 1989) This did not raise objections. [Misunderstanding two] that as long as the collateral on the line, do not have to make a careful choice of collateral. When a handful of loan officers approve collateral, they do not consider whether their value is stable or not, whether their liquidity is strong or not,