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目前,担保贷款已成为工商银行信贷放款的主要方式,担保贷款存量远远超过信用放款存量。因此,担保贷款的质量基本代表了信贷质量。担保贷款方式之所以能够被推广,原因在于担保贷款能够避免和减少贷款风险,保障银行债权的实现。那么,实际工作中的贷款担保能否保证这一点?或者在多大程度上有效?带
At present, secured loans have become the main method of credit lending by Industrial and Commercial Bank of China, guaranteeing the stock of loans far exceeds the amount of credit loans. Therefore, the quality of secured loans basically represents the quality of credit. The reason why secured loans can be promoted is that secured loans can avoid and reduce loan risks and ensure the realization of bank claims. So, can guarantee this in real work loan guarantees, or to what extent is effective?