近年来，借款人或担保人无力以货币资金偿还金融机构贷款，众多金融机构采取以资抵贷的情况大量增加。这种办法虽为盘活信贷存量资产开辟了一条新的有效途径，但在实际操作中困难重重，难尽人意。“以资抵贷”的提法正确与否姑且不论，单就其本意及初衷无可非议，而且也符... In recent years, borrowers or guarantors have been unable to repay their loans to financial institutions by using monetary funds. As a result, many financial institutions have adopted a massive increase in credit losses. Although this approach has opened up a new and effective way of activating the stock of credit assets, it is difficult and difficult to be implemented in practice. “With credit to credit” is correct or not, regardless of the single, the original intention and the original obnoxious, but also ...