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随着我国社会主义市场经济的发展,担保的作用越来越重要。近年来银行贷款逾期的问题日益突出,为减少信贷风险,银行越来越多地采用多种担保方式。八届全国人大常委会第十四次会议于1995年6月30日通过了《担保法》,该法于1995年10月1日起施行。然而银行的保证贷款业务在适用《担保法》时所面临的问题,使银行在有效保障银行权,防范金融风险方面存在着法律障碍,笔者仅就这方面的法律障碍及对策作一探讨,以引起大家的重视,共同研究对策,努力降低银行潜在的金融风险。
With the development of the socialist market economy in our country, the role of guarantee is more and more important. In recent years, the issue of overdue bank loans has become increasingly prominent. To reduce the credit risk, banks increasingly adopt a variety of guarantees. The Fourteenth Session of the Eighth NPC Standing Committee passed the “Guarantee Law” on June 30, 1995, which came into force on October 1, 1995. However, the problems faced by the banks in guarantee loan business when they apply the “Guarantee Law” make the banks have legal obstacles in effectively protecting the bank rights and preventing financial risks. The author only discusses the legal obstacles and countermeasures in this aspect. Arouse the attention of all people, study the countermeasure together, and strive to reduce the bank’s potential financial risk.