论文部分内容阅读
抵押贷款业务,是当今商业银行的主要信贷业务,既能有效保全银行资产,又能合理调节企业资金需求,促进银企双方加强经营管理,不断提高经济效益。据资料表明,该项贷款的占比,超过了基层商业银行全部贷款的65％以上。 商业银行在经营过程中,如何办理抵押贷款,提高贷款有效抵押率,我认为应从以
The mortgage loan business, which is the major credit business of commercial banks today, can not only effectively preserve bank assets but also rationally regulate the funding needs of enterprises so as to promote both banks and enterprises to strengthen their operation and management and continuously improve their economic returns. According to the information, the proportion of this loan exceeds 65% of the total loans of commercial banks at the grassroots level. Commercial banks in the course of business, how to handle mortgages and loans to improve the effective mortgage rate, I think that from