为了掌握银行抵押担保贷款的现状,找出存在的问题,提出改进的办法和建议,以有效防止当前部分企业通过实行国有民营、公有私营、股份制、嫁接外资、兼并拍卖或无偿划转等方式逃避偿还银行贷款的现象,保全银行信贷资产,最近,我们对某县农业银行营业部和一个营业所政策性贷款业务划转后的抵押担保贷款执行情况进行了稽核调查。 In order to grasp the status quo of bank-backed secured loans, find out the existing problems and put forward improvements and suggestions to effectively prevent the current part of enterprises from evading ways of implementing state-owned privately owned, public-owned, joint-stock companies, foreign investment grants, merger auctions or gratuitous transfers Recently, we conducted an audit investigation into the implementation of mortgage-backed loans after the transfer of a county-owned agricultural bank’s business department and a business office’s policy-based loan business.