自贷款证制度实施以来，在提高资金使用效益、防范产生新的不良贷款，提高银行业的经营水平等方面都起到了积极的促进作用。但在推广和使用过程中，由于部分基层银行和贷款单位对推广使用贷款证认识不高，给这一制度的推行带来了一定的困难。从银行方面看，一些基层单位对贷款 Since the implementation of the loan certificate system, it has played a positive role in promoting the efficiency of capital utilization, preventing the generation of new non-performing loans, and improving the management level of the banking industry. However, during the process of promotion and use, some grassroots banks and lenders are not very knowledgeable about the promotion of the use of loan certificates, which has brought some difficulties to the implementation of this system. From a bank perspective, some grassroots units make loans