“商业银行”（以下简称“银行”）对以正常经营收入不足以偿还其贷款及支付利息的债务人固定资产和部分流动资产占有，称之为“以资抵货”。而银行对这部分拥有所有权的资产称之为“抵贷资产”。近年来，“抵贷资产”越聚越多，诚然是银行资产保全的一喜，但如何管理和盘活这? Commercial banks (hereinafter referred to as “banks”) occupy the debtor’s fixed assets and part of the current assets that are not enough to repay their loans and pay interest on normal operating income. The bank ownership of this part of the assets are called “credit assets.” In recent years, “mortgage assets” more and more together, it is true that the bank asset preservation is a happy, but how to manage and revitalize this?