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在社会主义市场经济条件下,抵(质)押作为督促和强制债务人按约履行债务、保障债权实现的一种经济手段,已在各类经济活动中,被人们越来越多地认识和运用。随着金融体制改革的深化,我国国有商业银行也把它作为优化信贷资产结构、防范信贷资产风险、提高经济效益、实现经营目标的重要措施之一,在信贷业务中广泛推行。最近,我们对部分行抵(质)押贷款情况进行了一次调查,此次共调查十个营业所(部)抽查抵(质)押款3947.2万元,其中逾期贷款664.1万元,占16.8％,催收贷款770.9％万元,占19.5％,通过
Under the socialist market economy, denial of credit (hypothecation), as an economic measure to urge and force debtors to fulfill their debts on an agreement basis and guarantee the realization of their claims, has been increasingly recognized and used by people in various economic activities . With the deepening of the financial system reform, the state-owned commercial banks in our country have also taken it as one of the important measures to optimize the structure of credit assets, prevent credit asset risks, improve economic efficiency and achieve business objectives. They are widely implemented in the credit business. Recently, we conducted a survey on some of the loans (hypothecated) mortgaged. The survey conducted a total of 39.472 million yuan (including 16.6% of the overdue loans of 6.641 million yuan, 770.9% of the loan collection loans, accounting for 19.5%, passed