近年来,商业银行以公路收费权、电费收益权、学校和医院收费权等多种新型权利质押的贷款业务发展迅速,不仅提升了借款人的融资能力,也进一步拓宽了商业银行的信贷业务。但作为一种新型担保方式,目前尚存在法律依据不足、操作欠规范、还款来源不稳定等缺陷,使商业银行面临一定的法律风险和还款风险。 In recent years, the rapid development of commercial bank loans pledged by various new types of rights such as toll collection rights, electricity fee income rights, school and hospital tolling rights has not only enhanced the borrower’s financing ability but also broadened the credit business of commercial banks. However, as a new guarantee method, there are still some shortcomings such as lack of legal basis, lack of standard operation and instability of repayment sources, so that commercial banks are exposed to certain legal risk and repayment risk.