随着国民经济的发展,银企之间的信贷行为日益频繁,银行为了减少贷款的风险,越来越倾向于企业用自有资产作为偿还贷款本息的抵押物。由此,抵押物评估活动也日趋活跃,同 With the development of the national economy, the credit behavior between banks and enterprises is becoming more and more frequent. In order to reduce the risk of loans, banks tend to use their own assets as collateral to repay the principal and interest of loans. As a result, collateral assessment activities are also increasingly active, with