当前银行贷款担保中的几个突出问题没有认识到贷款担保只是发放贷款的必要条件而不是发放贷款的充分条件。目前,商业银行对贷款担保还存在一种错误认识,即过于看重贷款担保的作用,认为只要有贷款担保就可以发放贷款。其实,贷款担保虽然重要,但它毕竟处于次要还款来源的地位。贷 Several outstanding issues in the current bank loan guarantee do not recognize that loan guarantee is only a necessary condition for issuing a loan rather than a sufficient condition for issuing a loan. At present, there is a misunderstanding about loan guarantee in commercial banks. That is, the effect of loan guarantee is too much valued by commercial banks, and loans can be granted as long as there is loan guarantee. In fact, although loan guarantees are important, they are, after all, in a position as secondary repayment sources. loan