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本文阐释了担保贷款的基本理论问题,分析了我国商业银行担保贷款总量偏低且呈下滑趋势、企业(或个人)担保贷款难、部分贷款的贷款担保无法兑现的现状以及政策鼓励商业银行提高融资服务水平的要求,进而探讨了商业银行担保贷款存在的业务发展不均衡、效率低,中小企业贷款需求满足率低,担保贷款带来的风险大问题及问题产生的原因,针对性地提出解决我国商业银行担保贷款问题的五大对策,以期为贷款担保提出有效的建议。
This article explains the basic theoretical issues of secured loans, analyzes the low and declining trend of the total amount of secured loans in commercial banks in our country, the guarantee of loans by enterprises (or individuals), the unsecured loan guarantees of some loans and the policy of encouraging commercial banks to improve Financing service level, and then explores the business development of commercial banks guarantee loans are unbalanced, inefficient, SME loan demand satisfaction rate is low, the risk of large loans and the problems caused by the problem, targeted to solve China’s commercial banks guarantee loans five major measures, with a view to providing effective recommendations for loan guarantees.