商业银行应充分重视并消除抵押过程中存在的诸多风险隐患,真正让抵押成为第一还款来源之外的保护金融资产安全的“保护伞”贷款业务作为银行的传统核心业务,是银行实现利润最大化目标的主要手段。但受经济环境、信用环境、市场因素和法制环境等多种因素的影响,借款人也会出现无法偿还贷款本息的风险。于是,落实第二还款来源、 Commercial banks should give full attention to and eliminate many hidden dangers in the process of mortgage, and truly make the mortgage the primary source of repayment to protect the safety of financial assets. As the traditional core business of banks, bank loans Profit maximization goal of the main means. However, due to various factors such as the economic environment, credit environment, market factors and the legal environment, the borrower may also be in a risk of unable to repay the loan principal and interest. Therefore, the implementation of the second source of repayment,