论文部分内容阅读
随着社会主义市场经济体制的建立和运行,担保作为督促债务人履行债务。保障债权实现的经济手段,在各类经济活动中,被人们越来越多地运用。正在转轨中的银行也把它作为防范信贷资产风险、提高经济效益、实现经营目标的重要措施。但是,根据笔者在辖区内部分金融机构调查了解到的情况看,担保贷款在推行中还存在以下几个不能忽视的问题: 一、“三不”现象较为严重 (一)对担保单位审查不严格,因而出现了一些担保资格与法律规定不符,以及虽有担保资格但无担保
With the establishment and operation of the socialist market economic system, guarantees serve as a catalyst for debtors to fulfill their obligations. The economic means of guaranteeing the realization of claims are used more and more by people in all kinds of economic activities. The bank in transition is also taking it as an important measure to prevent credit asset risks, improve economic efficiency and achieve business objectives. However, according to the author’s investigation of some financial institutions in the area, the following problems can not be ignored in the implementation of secured loans: 1. The phenomenon of “three noises” is more serious. (I) The examination of guarantee units is not strict , Some qualifications have emerged that do not comply with legal requirements and are not guaranteed