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近年来,随着商业银行风险意识的加强,抵押贷款的比重逐年提高,做好抵押物估价和办理抵押登记手续已成为建设银行防范风险的重要手段之一。1995年国家出台了《商业银行法》,其中第三十六条明确规定:“商业银行贷款,借款人应当提供担保。商业银行应当对保证人的偿还能力,抵押物、质物的权属和价值以及实现抵押权、质权的可行性进行严格的审查。”而抵押物与质物的权属及价值的确定是一项专业性极强的工作,必须具有专门知识方可胜任。据此,中国建设银行河北省分行营业部于2001年下发了建冀营函[2001]57号《关于进一步规范贷款抵押物估价的通知》的文件,明
In recent years, with the strengthening of risk awareness of commercial banks, the proportion of mortgage loans has been increasing year by year. It is one of the important means for CCB to guard against risks by doing a good job of valuing mortgages and completing mortgage registration procedures. In 1995, the state promulgated the “Law on Commercial Banks”, of which Article 36 clearly stipulates: “Loans of commercial banks shall be provided by the borrower with guarantee.” Commercial banks should give full consideration to the guarantor’s ability to repay, the collateral and the ownership of the pledges Value and the realization of the mortgage, the pledge of the feasibility of rigorous review. “And the determination of the title and value of the collateral and the material is a highly specialized work, you must have the expertise to be competent. Accordingly, the business department of China Construction Bank branch in Hebei Province issued a document entitled ”Further Notification on Valuing Mortgage Loans" issued by Jiheying [2001] No. 57 in 2001