抵贷资产是指借款人不能按照贷款合同规定归还贷款时,经借款人、贷款人、担保人三方协商,或者仲裁机构仲裁,或者经人民法院判决和裁定,以借款人、担保人的抵押物及其他资产抵偿所欠金融机构贷款本息而形成的待处理资产。抵贷资产形成的初衷是为了保权银行信贷资产,减少银行信贷 Borrowing assets refers to the borrower can not return the loan in accordance with the provisions of the loan contract, the borrower, lender, the guarantor of the tripartite consultations, or arbitration agency arbitration, or the people’s court judgments and rulings, the borrower, the guarantor of the collateral And other assets to be offset by the principal and interest of loans owed by financial institutions to be treated. The original intention of the formation of credit assets is to protect the bank’s credit assets, reduce bank credit