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近年来,城市信用社在对“两小”企业信贷投入方面广泛推行了抵押贷款的放款方式,为有效制止信贷资产的沉淀发挥了积极的作用.但近来我们发现一些城市信用社在抵押贷款方式运用上存在一种较为普遍的“抵不包贷”现象,即抵押品所示金额小于贷款金额.这些现象的存在使得抵押贷款在防止信贷资产沉淀的作用方面被大打了折扣,形成被抵押贷款到期仍难以收回的恶果.按规定,在抵押贷款中贷款金额最高只能是抵押品金额的80%,
In recent years, urban credit cooperatives have extensively implemented mortgage lending methods in respect of the credit investment of “two small” enterprises, and have played an active role in effectively stopping the sedimentation of credit assets.But recently we found that some city credit cooperatives The use of a more common “non-loan” phenomenon, that the amount of collateral is less than the amount of loans.The existence of these phenomena makes the mortgage loan in the role of preventing the precipitation of credit assets have been greatly discounted, the formation of being mortgaged The loan is still difficult to recover the consequences of expired.According to the provisions of the maximum amount of loans in mortgages can only be 80% of the amount of collateral,