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浅谈抵押、保证贷款有效性问题许乐夫最近，笔者对抵押，保证贷款有效性问题进行了调查。调查情况表明，近几年来银行不仅在思想上对办理抵押、保证贷款的重要性有了充分的认识，而且在行动上得到了较好的落实。能按市场原则，加大信贷风险防范力度，逐步减少信用放款，全面推
On the mortgage, to ensure the effectiveness of loans Xu Lover Recently, the author of the mortgage, guarantee the effectiveness of the loan investigation. The investigation shows that in recent years, not only have banks fully understood the importance of handling mortgages and guaranteeing loans, they have also been well implemented in their actions. According to market principles, we can step up efforts to prevent credit risks and gradually reduce credit lending so that