减少信用放款,扩大担保、抵押贷款的比重,是防范贷款风险,确保信贷资金使用的流动性、安全性、盈利性的一项重要措施。然而,当前在办理担保、抵押贷过程中存在着不少问题,其主要表现是: 一、空头担保。一是资不抵债的“红字”企业还为他人担保,使企业更加负债累累,根本无力履行其担保义务。二是以事业经费或财政拨款为他人担保贷款,贷款一旦发生风险,其连带责任难以落实。三是形形色色的人情担保、行政担保屡有发生。 二、超量担保。一是经营好的企业为他人担保超过自身正常生产经营的资金数额,当贷款造成风险承担连带责任,其自身为担保受拖累,企业的正常业务经营陷入困境。二是 Reduce credit lending, expand the guarantee, the proportion of mortgage loans is to prevent loan risk, to ensure the liquidity, security, profitability of credit funds is an important measure. However, there are still many problems in handling guarantee and mortgage loan. The main performance is as follows: First, short guarantee. First, insolvent “red words” enterprises also guarantee others, so that enterprises are more indebted, simply unable to fulfill its guarantee obligations. The second is based on business funding or financial appropriation to guarantee loans for others, in the event of a loan risk, its joint and several liability is difficult to implement. Third, all kinds of human guarantees, administrative guarantees have occurred. Second, over-guarantee. First, a well-run enterprise guarantees the amount of funds that exceeds its normal production and operation for others. When a loan causes risk to take joint and several liabilities, it is itself dragged down by guarantee and the normal business operation of the enterprise is in a dilemma. two is