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《中华人民共和国物权法》(以下简称《物权法》)完善了我国的物权公示制度和担保法律制度,其中的有关规定对银行抵(质)押贷款的贷前调查、贷时审查、贷后检查与安全收回有着直接而现实的影响。这些影响主要体现在哪些方面?如何运用法律(包括仲裁法律制度)防范、控制银行抵(质)押贷款的风险?这些都是金融界特别是基层金融分支机构迫切关心的问题,本文结合司法实践和基层金融实践进行了探讨并有针对性地提出了建议。
The Real Right Law of the People’s Republic of China (hereinafter referred to as “Real Right Law”) has perfected the system of publicity of real right and the legal system of guarantee in our country. The related provisions pre-loan investigation, loan review, post-loan inspection And the safe recovery has a direct and realistic impact. How to apply laws (including the legal system of arbitration) to prevent and control the risks of bank loans (hypothecated)? These are all issues of urgent concern to the financial community, especially grassroots financial branches. This article combines the judicial practice And grass-roots financial practices were discussed and put forward proposals in a targeted manner.